The value of the total property is immaterial really, you are only working on 500 metres of patio. Your insurance covers you for what you work on. Not many companies would carry 15 million liability, the standard is 1 and 10 but a lot of places like to see the 2 and 10 so that is what I carry. I clean schools, large industrial places, and also do builders cleans for some pretty expensive properties. I would say they would be happy with your insurance. Just give them a copy and if they have a problem they will tell you. Would it actually be worth the increase in insurance premiums for one job? In the CIS scheme you are given a unique tax reference for your company. I am not sure this would be applicable unless you are subcontracting for a builder. But if you are and need one they are free by applying to the CIS scheme but be aware unless you are doing 30,000 GBP in business with in the scheme, not total turnover then the contractor will hold out 20% and you can claim this off any PAYE or NI that you have to pay. Other wise they could be asking for your company number or maybe even your VAT number. The tax reference part is a bit vague and you probably need some clarification on this.
Cheers Gilbert
P.S. Administrator, I am no having the problem of the cursor jumping around on me Good Job