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P @ F

  • Posts: 6319
Need to renew PL insurance
« on: May 16, 2016, 02:02:38 pm »
As above please guys , im a sole trader , how much cover do you have , what company and what price ?

Cheers Rich 
I'm so lazy I'm getting tired of it !

DaveG

  • Posts: 6347
Re: Need to renew PL insurance
« Reply #1 on: May 16, 2016, 02:21:19 pm »
I'm with Gleaning Insurance, 2m cover about £17 per month.
You can't polish a turd

Re: Need to renew PL insurance
« Reply #2 on: May 16, 2016, 02:22:11 pm »
Gleaming insurance £180 a year

P @ F

  • Posts: 6319
Re: Need to renew PL insurance
« Reply #3 on: May 18, 2016, 07:23:40 pm »
Cheers guys , i just got the same policy as Dave G

Rich
I'm so lazy I'm getting tired of it !

Smurf

  • Posts: 8538
Re: Need to renew PL insurance
« Reply #4 on: May 18, 2016, 09:50:26 pm »
Hiscox policy (Gleaming) I don't think can be beaten for the amount of cover you get.

trafficjamz

  • Posts: 103
Re: Need to renew PL insurance
« Reply #5 on: May 19, 2016, 10:52:16 pm »
I use a broker called Blackfriars. £74 a year for £1m cover.
And yes they cover the property you're working on, unlike some that I've heard of  ???

Smurf

  • Posts: 8538
Re: Need to renew PL insurance
« Reply #6 on: May 19, 2016, 11:18:26 pm »
What a rubbish website blackfriars has as tell you bugger all about the type of cover included.

Unlike gleaming website.  ::)roll

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:

    bodily injury or property damage occurring during the period of insurance
    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

For further details of the cover provided by Hiscox Insurance via ourselves please see the Public Liability Insurance Policy Wording

Smurf

  • Posts: 8538
Re: Need to renew PL insurance
« Reply #7 on: May 19, 2016, 11:31:45 pm »
As they say if it's not in black & white then you are not covered for that activity. That to be honest was my biggest beef with other so say brokers as was a very painful proccess trying to get a quote to include the proper cover I wanted covering the activities I wanted to do.