Public liability

Discussion in 'Chit Chat & Introductions' started by Stayclearwindowcleaning, Oct 22, 2015.

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  1. Stayclearwindowcleaning

    Stayclearwindowcleaning Active Member
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    Hi can any 1 help.what would be a far Price for public liability sole trader. And can u recommend anyone thanks
     
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  2. Extremecleansussex

    Extremecleansussex Active Member
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    I used the business octopus and paid less than £70 for £1 million cover.
    Comparison sites will give you a good idea how much to pay.


    Sent from my iPhone using Tapatalk
     
  3. Stayclearwindowcleaning

    Stayclearwindowcleaning Active Member
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  4. Jake

    Jake Grand Master
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    Do it through simply business, should be about £50, of you mention me you'll get £15 off and I'll also get £15 :D

    That's what i did with a fellow window cleaner friend... Win win

    Simply Business
     
  5. Stayclearwindowcleaning

    Stayclearwindowcleaning Active Member
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    Will have a look now thanks
     
  6. Simply Business

    Simply Business Well-Known Member
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    Thanks for recommending Jake, and it's actually £25 for each of you through our refer a friend!

    Stayclearwindowcleaming, feel free to send me a private message if you'd like any more info/help etc. You can get some public liability quotes here if you'd rather have a browse in your own time :)
     
  7. Green Pro Clean Ltd

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    CAUTION ON WHOM YOU INSURE WITH!!

    95% of all Liability policies DO NOT COVER the actual item you are working on.

    Example, you are up the ladder, you drop you big brass squeegee and it damages the car on the drive below - THAT IS USUALLY COVERED.

    HOWEVER - You are working on a window and put a huge scratch right across it - NOT COVERED

    A lot of insures as I stated previously DO NOT COVER THE ITEM YOU ARE ACTUALLY CLEANING.

    I'm sure Simply will be happy to tell us his companies policy on that matter.

    :)
     
  8. Simply Business

    Simply Business Well-Known Member
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    Thanks for the mention Green Pro Clean Ltd.

    'Items worked upon' cover isn't something that we offer as standard on all of our policies.

    However, it's also worth noting that most 'items worked upon' policies have higher than standard excesses, so much of the damage you hypothetically caused - like the example you used of scratching the glass - you may still end up paying for due to the high excess.

    What it also doesn't cover in many instances is defective workmanship. I.e. you use the wrong type of equipment, scratch the glass... this is the sort of thing that may not be covered.
     
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  9. Martin Holden

    Martin Holden Insurance Consultant
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    As we are specialists to the cleaning industry, our policy includes FULL, Comprehensive cover - so with the Gleaming Insurance policy with Hiscox you are covered for
    • Damage to Property Worked Upon (up to the full limit of indemnity) - anything you damage whilst cleaning it.
    • Treatment Risks (damage caused by chemicals/cleaning solutions etc, again up to the full limit)
    • Loss of Customers Keys
    Our excess for property damage does not change - it is £250 for all property damage incidents.

    Our premiums are higher than most, but as you can see by this thread, there is a clear distinction in what we offer - we don't promote ourselves on price or being the cheapest, we promote ourselves on having the very best cover for cleaning contractors in the UK - cover that when you need it will respond and protect you.

    Please read ALL the quotations you receive and ALL your policy wordings on those quotations - drop me a PM if you would like to know more.
     
  10. TolishAPurd

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    Just my opinion, but insurance is just there for me if the SHTF. I.e. If I drop my ladder on a porsche, or even worse I hurt someone. In either of those scenarios £250 excess will be a drop in the ocean to what I could be paying. For small issues like cracking a window, breaking some roof tiles etc I will either just fix myself, or pay to have fixed without putting a black mark against my name by using the insurance.
     
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