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Insurance Question


mufcglen

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I use Swinton as a broker and whoever underwrites it! Cant remember who the actual company is insuring me now :( ill have to check but yeah public liability is pretty much a given in case you damage anything or anyone but as smurf says you will have to check exactly what it covers you and read carefully. Might want to consider personal accident cover to incase you are unable to work, i never went for it but some people with families and that would like to know they are covered perhaps?

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I personally wasted hours on the net and phone calls trying to get the cover for all the cleaning services I offer. Most I had to contact directly by phone then ask as it's not just window cleaning public liability I wanted. Most said they would have to call me back if they would cover it or not.

 

That process drove me bonkers I must say until I found out that gleaming insurance as a standard policy covered the risks & services I wanted covered.

 

About The Cover

The policies we offer are underwritten by Hiscox Insurance Company Ltd and have been specifically designed for businesses in the cleaning industry. The main covers that we offer are Public Liability Insurance and Employers Liability Insurance with the option to add cover for Machinery & Equipment Insurance, Hired or Owned Plant and cover for your business premises.

Public Liability Insurance

The Cover

The policy will protect you if, as a result of your business, any party brings a claim against you (for which you are legally liable) for:

  1. bodily injury or property damage occurring during the period of insurance
  2. personal injury or denial of access committed during the period of insurance

Activities Covered

If you arrange Public Liability Insurance online via the GLEAMING INSURANCE website then your policy will cover all of these activities;

Carpet & Upholstery Cleaning including soft furnishings

Commercial Property Cleaning (interior and exterior) which includes;

shops, office, restaurants 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

The maximum height for any of the work undertaken must not exceed 25 metres (82 feet).

Specialist Covers included

This policy provides specialist covers for the cleaning industry including;

  • Damage to Property Being Worked Upon - read more
  • Treatment Risks (for damage caused by cleaning solutions or chemicals)
  • Loss of Customer's Keys
  • Failure to Secure a Customer's Premises
  • Theft by your employees

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Was with simply business would not recommend them at all, gleaming all the way!! :)

Why? Have you had reason to claim on public liability insurance? Please explain. I use them for 2 years with no problems. I pick up lots of commercial work and the insurance is included in my RAMS and all the companies seem to be happy with the insurance side of things as I am covered for everything related to window cleaning water fed pole method.

 

How do we rate insurance companies?

 

I rate them by easy of getting covered for exactly what I require, gleaming were very expensive and offered less cover for nearly double the premium, and yes I have tried them 2 years for quotes and still expensive every time.

 

Aviva were also very expensive on the public liability insurance too.

 

What do you get for the extra financial cost of the insurance?

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Was with simply business would not recommend them at all, gleaming all the way!! :)

 

 

 

Why? Have you had reason to claim on public liability insurance? Please explain. I use them for 2 years with no problems. I pick up lots of commercial work and the insurance is included in my RAMS and all the companies seem to be happy with the insurance side of things as I am covered for everything related to window cleaning water fed pole method.

 

How do we rate insurance companies?

 

I rate them by easy of getting covered for exactly what I require, gleaming were very expensive and offered less cover for nearly double the premium, and yes I have tried them 2 years for quotes and still expensive every time.

 

Aviva were also very expensive on the public liability insurance too.

 

What do you get for the extra financial cost of the insurance?

 

I was gonna ask the same. A bit of detail as to why you wouldn't recommend them would help.

I'm with Simply Business after an offer popped up via Vistaprint which offered me public liabilty for £69 - £25 off(total £44) which suited me perfectly as I've only just started back up in the business in Feb of this year.

 

Mart.

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I was gonna ask the same. A bit of detail as to why you wouldn't recommend them would help.

I'm with Simply Business after an offer popped up via Vistaprint which offered me public liabilty for £69 - £25 off(total £44) which suited me perfectly as I've only just started back up in the business in Feb of this year.

 

Mart.

 

 

£44 per....

 

Sent from my GT-I9505 using Tapatalk 2

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Simply business sell basic window cleaning public liability cover hence why the lower cost. You get what you pay for....Simples

 

So if you quote and get an exterior deep cleaning job for instance which includes cleaning a conservatory roof, clearing & cleaning gutters, washing windows, cleaning a drive or patio or even cleaning exterior of park homes (caravan to you) also spc you would be unwise to take on the job as you will not be insured to do so. Another thing that will not be covered is using any kind of chem like ubik as simply business do not cover for the use of chems/cleaning products or property being worked upon.

 

 

So what you are saying hotwash is hogwash :Image13:

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I pay 94 a year and covered for exactly what you said Smurf, don't buy insurance online always ring them then you get exactly what you need and want. I am covered for everything related to window cleaning water fed pole system. Any job you could possibly think of I am covered 100%.

Like the advert used to say " its good to talk".

Communicating effectively gets you what you need.

Do you quote online for window cleaning. Lol. Of course you don't as you never know what you are dealing with.

It's my point.

If you were not covered by your own policy before hand Smurf then you only have your self to blame not the insurance company.

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