You're insured for that? really? look again.

Discussion in 'Managing Your Business' started by Green Pro Clean Ltd, Feb 7, 2015.

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  1. Green Pro Clean Ltd

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    This is something that is of major importance for all of us not only to understand but also to abide by, (no I don't get commission from the insurance broker.

    What exactly are you covered to do? Are you even covered? Do you even know?

    This comes about after a conversation the other day with my insurance broker, a man I pay some £550 per year to and hope I will never need to call.

    I have been approached by a football stadium with a major ground here in Nottingham to do the windows on all the function rooms, offices and VIP boxes. They came to us as one of my crew has a connection there.

    They have sacked off more window cleaners than I can count due to shoddy workmanship and dont like WFP as it does not (in their words) provide a good enough finish. AS the Function rooms are located on the second floor I figured I would get in a scissor lift or cherry picker to do the job.
    Called up my local plant hire place and got a quote, they said they would need to see my plant insurance prior to rental or take out their insurance.

    So I called my broker, within 10 seconds I have discovered 'NOT COVERED AT A FOOTBALL STADIUM AS IT IS A HAZARDOUS WORKING ENVIRONMENT.'

    A brief chit chat more and he reminds me that the policy covers us for ladders and poles up to 10 meters.

    Usually no problem at all as 99.5% of our work is residential but nice to get a reminder.

    Also reminded me that whilst my guys are covered for £10'000'000 in the event of the worst thing happening I myself am not covered for a penny.
    This is due to insurance companies not covering business owners against injury as scam artists have been rife getting liability and breaking an arm or leg or both.

    Also this is a tip for those that hire 'helpers' or 'casuals' you are actually breaking the law if you don't have employee liability. (Not to mention being a total ****er if you don't insure them.)

    But to cut a long story short I did learn that I am not covered to use my 40ft pole or against injuring myself.

    Whats you insurance cover you for?
     
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  2. daveyboy

    daveyboy Legend
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    This is what i am personally covered for for £14.58 a month

    You will be covered for the following;

    Public Liability Insurance - Hiscox Insurance will indemnify you if any party brings a claim against you for bodily injury or property damage occurring during the period of insurance, for which you are legally liable. This includes a claim against you for property damage occurring during the period of insurance and also provides cover for damage to any item being worked on, cleaned, treated or maintained by you.

    Loss of Customer's Keys - Hiscox Insurance will pay the reasonable costs to replace locks, keys or passcards for your client following your loss of their keys or electronic passcards during the period of insurance. They will also pay for the sums you have to pay as compensation to your client following you loss of their keys or electronic passcards during the period of insurance.

    Failure to secure a customer's premises - Hiscox Insurance will pay for the sums you have to pay as compensation to your client following your failure to secure any client’s premises where you have been carrying out your business including your failure to set any client’s intruder alarm.

    Financial Loss - Hiscox Insurance will indemnify you if, during the period of insurance any party brings a claim against you in writing for financial loss.

    Activities covered by this policy

    You are automatically covered for ALL of the following activites for work carried out in the UK and Northern Ireland.Whilst we appreciate you may not carry out many of these activities you are automatically covered for them all at no extra cost.

    Carpet & Upholstery Cleaning including soft furnishings
    Commercial Property Cleaning (interior and exterior) which includes;
    shops, offices, restaurants, pubs and other properties occupied by businesses
    Conservatory Cleaning
    Contract Cleaning
    Domestic Property Cleaning (interior and exterior)
    End of Tenancy Cleaning (interior and exterior)
    Gutter Cleaning
    Hard Floor Cleaning
    Holiday Home Cleaning (including Caravans)
    Kitchen Cleaning
    Oven (domestic and catering only) & White Goods Cleaning
    Pressure Washing to 248 bar (3,600 psi)
    Solar Panel Cleaning
    Window Cleaning including Soffits, Fascia and Frames

    You are automatically covered to carry out any of the above activites to a maximum height of 25 metres. If you work at heights in excess of this please ring us as we can arrange a specific policy for you.
     
  3. Smurf

    Smurf Banned
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    I've never tried to claim off hiscox as I have the same cover but like any insurer I'm sure they will find a way not to have to pay out if they can. Robbing scoundrels the lot of them if you ask me.:rolleyes:
    Peace of mind my **** :D
     
  4. boarcity

    boarcity Guest

    i had a chance encounter with somebod who did get a payout . he is a car park attendant who was about to give me a ticket as i was 4 minutes over
    - turns out he once was a windie working for somebody else. he was using one of those folding ladders when it gave way and he was hurt.
    he decided not to give me the ticket but i absolutely know because i didnt offer him a job at the end of our little chat he will never rest till he has ticketed me
     
  5. Green Pro Clean Ltd

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    Daveyboy, from the description you have posted what you have there is your basic public liability.

    There is nothing in there that covers you against loss of earnings, medical etc etc should you end up injured, it only covers the third party, ie the customer.

    For a self employed chap if you want to cover you loss of earnings you need to look in to personal 'Assurance'
    My 'Public liability' Is also about £150 per year through Sky Insurance

    It is my 'employers liability' that cost me the the real bucks, but how would you sleep whilst one of your team lay in hospital with a broken back and you hadn't bothered to get employer liability?

    Public & Employer are two totally different policies, If working solo you only need Public, if you have staff or a helper you have to get Employer.

    This solar panel installer ended up paying £1600 in fine and costs
    http://www.toddcue.co.uk/2013/08/sunderland-firm-fined-over-lack-of-employers-liability-insurance/

    This takeaway restaurant owner ended up at over £5000 in fines and costs
    https://www.internationalworkplace....ned-for-lack-of-employers-liability-insurance

    In short, even if you are an employee you should ask your boss for a look at his cover, just to make sure.
     
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  6. daveyboy

    daveyboy Legend
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    I have money set aside for emergency use for loss of earnings etc and am solo so at the mo the cover i have suits me
    Their employer cover is very good but i have no need for it at the moment
     
  7. Andy cherry

    Andy cherry Member
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    Another reason to not employ ".."in my opinion
     
  8. Simply Business

    Simply Business Well-Known Member
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    Hi guys,

    Just to add to what's been said already:

    Public liability will cover you for damage to third party property and injury to members of the public - often not including the item you are actually cleaning, e.g. if you damage something whilst carrying a ladder it will usually be covered, if you break something whilst cleaning it, it likely wont.

    You'll often have to disclose whether you're working on domestic properties, commercial or both - make sure you keep this updated if work changes etc! Similarly, if you start working at a different height (i.e. over 10m, you need to let your insurer know).

    Employers' liability is a legal requirement for companies with employees or using labour-only subbies. The minimum requirement by law is £5m. It's going to extend your PL onto your staff (i.e. if they cause damage etc) and will cover costs if they're injured and it's the companies fault. This will inevitably be at a greater cost, as the risk is essentially doubled (more people working, more chance of something going wrong etc?)

    There are several additional covers that you can get. Inclufing Item's worked upon cover, that will - as the name suggests - cover you if you damage a window etc that you are cleaning. You can also get Lost Keys cover - again self-explanatory.

    If you're looking to cover yourself should you get injured and be unable to trade, you can get Personal Accident cover. It varies place to place, but it's usually a regular weekly sum of money that covers for the period you're unable to work.

    Then there's Loss of earnings cover. This can come in several forms, but essentially covers costs associated with beiung unable to trade due to damage to equipment etc.

    Then of course you can cover your tools, premises etc.

    The key thing to keep in mind is to always keep your insurer in the loop when anything changes to your policy, as Green appears to have done with his broker.

    Hope that helps a little? :)
     
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  9. abs

    abs Guru
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    I cleaned the windows at Trent bridge cricket ground for many many years also did all the jetwashing of the stands too and never had any issues insurance wise, what company did you try to hire a cherry picker from ? They never even ask for your license usually never mind insurence
     
  10. Green Pro Clean Ltd

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    UK Tool Hire, think they're over Alfreton area.
     
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