Clean It Up

UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: FWCS on October 03, 2004, 02:05:14 pm

Title: pub & employers liability
Post by: FWCS on October 03, 2004, 02:05:14 pm

I am having difficulty in finding public & employers liability insurance which covers for working with cherry pickers and the like. Have been asked to quote for substantial contract but no point giving quote with current insurance. Currently have pub & employers liability insurance with Zurich covering both w/c and office cleaning.  ???

Title: Re: pub & employers liability
Post by: Jonathan Adams on October 03, 2004, 04:09:10 pm

Hi Lee

Try Darwin Clayton Insurance Brokers on 0115 951 7030 we have employers liability with them for window cleaning, cherry pickers, abseiling etc..

Regards

Jonathan

Title: Re: pub & employers liability
Post by: FWCS on October 03, 2004, 04:29:16 pm

Tried them for this years cover they are only interested if you have 10 or more employees I only have 3 at present but need the certificate to add to new client pack so I can quote for more work & then take on more staff, proper catch 22.

Title: Re: pub & employers liability
Post by: WavieDavie on October 03, 2004, 05:02:32 pm

Try searching for Eagle Star. I'm sure they've been mentioned as a good alternative on these boards.

I'm with Darwin Clayton for self + 2 employees. TEN? I should start looking around for my next renewal then!

Title: Re: pub & employers liability
Post by: martin19842 on October 03, 2004, 08:24:09 pm

try camberford law, they are specialists in our industry

regards

martin

Title: Re: pub & employers liability
Post by: WavieDavie on October 03, 2004, 11:31:14 pm

try camberford law, they are specialists in our industry

Tried them at my last renewal, they weren't interested, said they didn't insure window cleaners any longer.

You didn't say you were a bingo caller or anything similar, did you?

Title: Re: pub & employers liability
Post by: Jonathan Adams on October 04, 2004, 09:15:20 am

Hi All

I've just renewed our insurance me + 1 employee + cover for bona fide subcontractors, so i would call them again Lee, our insurance is with Royal & Sun Alliance if you have no luck with Darwin try them direct.

Wavie our insurance also used to be with Camberford they put our premium up 2000 percent, so we switched insurance.

Jonathan

Title: Re: pub & employers liability
Post by: telboy on October 04, 2004, 03:41:12 pm

  I AM WITH DARWIN CLAYTON

THEY WANTED £6.000.00 POUND A YEAR EXTRA FOR ONE WEEKS WORK A MONTH ROPE CRADLE WORK
 AND ALSO A 30FT WORKING  HEIGHT LIMIT

MY INSURANCE WITH THEM HAS GONE UP FROM £600.00
TOO £2,600.00 IN 4 YEARS THAT IS 1 EMPLOYEE AND PUBLIC LIABILITY

Title: Re: pub & employers liability
Post by: Ian_Giles on October 05, 2004, 10:27:59 pm

Holy c r a p!!!!
6 grand!!!

Insurance company's are really taking the p***. Why on earth don't they all grow brains and REALLY look at the chances chances of an accident occuring.

I am tired and my brain is not working as effectively as it shoud, but I know I have read about studies in probability and I am sure I have read that it depends on interpretation.

I want to waffle on at length, but i have had a long day.

Insurance company's load the dice in their own favour, fairness and objectivety never comes into the equation, only profit does.

Take 3 penalty points on your license, you have done 35 mph in a 30mph limit, you now have three points on your licence, your insurance company will automatically bump up your premium.

you are 50 years old and have never had an accident or points on your license before.
do you really deserve to be penalised financially for what may have been an 'offence' committed in the early hours of the morning, with no traffic to speak of on the road, good visability, good driving conditions, and just an automated camera to record your minor indiscretion?

you may disagree, but I don't think so.

Insurance company's are like banks, THEY screw you, and charge you for the privalege.

Ian

Title: Re: pub & employers liability
Post by: dave_carroll on October 07, 2004, 10:00:02 pm

Ian,
        for gods sake man, you sound like me!
        dave