[windows_chepstow]

For a one-man band; 1 Million; basic...

"RENEWAL Ken Simpkin - ABC WINDOW CLEANING

Insurer: Groupama
Product: Tradesman Select
Account Number: A0106270
Policy Number: P0022239/0

Your insurance policy with ourselves expires on 29/09/2005.

Using the same information as supplied last year, we have calculated that your renewal premium would be £69.37 (£72.84 including Insurance Premium Tax) based on current rates. To renew your policy or update your details please click here.

Quote based on:   
Business type Window Cleaners
Number of principals 1
Number of other staff 0
Indemnity limit £1 Million
Goods and tools in transit Not insured

To ensure access to our competitive online rates please renew using the link above over the internet. Documentation is sent to you using your email account.

We thank you for your continued support of the business.

Yours sincerely
insuredrisks.co.uk

Registered in England Number 4325105
Authorised and Regulated by the Financial Services Authority"

Can anyone better the above?

[Thecleanerservice]

For what it's worth, I think you are a genuine bloke Tosh.

For the record, some may only require 1 mill.
All my commercial clients require at least 2 million pub liability, minimum.
I understand that is basic.
average 5 million.
Pj

[Ray Pickering]

Yes Tosh.

Mine's exactly the same Groupama £72.84p through insuranceservices.co.uk

Ray.

[windows_chepstow]

For what it's worth, I think you are a genuine bloke Tosh.

For the record, some may only require 1 mill.
All my commercial clients require at least 2 million pub liability, minimum.
I understand that is basic.
average 5 million.
Pj

Pj,

No problems, mate.  I've only had one contract that required me to up my insurance to 5 Million and that was for a large Hilton Hotel.  Now I don't do it anymore; therefore 1 million should be enough for me.

I'm only 'small cheese', but if 5 Million insurance was required to get some large contract, I'd get it.

But my perception is, (which may be incorrect), that 1 million should be enough for my mainly residential round.  Why pay more, for more cover than I require?

[AuRavelling79]

Shouldn't that be number of principals - Two, Tosh? What with Wor lass working alongside you?

[Sarah Sarill]

Great link Tosh.

Would suit most residential w/c and commercial who work under 4 stories high as that is one of the clauses that price includes.  Will be using them when my renewal comes up as the 2 mil jump is only £20 or so.

Thanks mate :

[Sarah Sarill]

Unless...............

anyone can suggest a cheaper company !!!!!

[windows_chepstow]

Shouldn't that be number of principals - Two, Tosh? What with Wor lass working alongside you?

It works out cheaper for her to get her own - with the same company.  Don't ask me why.  I did it both ways at the quoting stage and it's cheaper to get it seperately.

[easycleanwindows]

5 million £300 per year

[rosskesava]

For 3 of us we pay £576 with a million public liability.

Plus were covered for any damage we do (£50 excess) but only for any windows we are not cleaning but we are for anything else damaged at the same time as a result of and so on and so forth.

Apparently that means if a ladder falls over and breaks something then we're covered.

If I break a window then I'm not covered for that window.

Also, we're not covered above the 4th floor even if it's in a block of flats or offices for anything other than public liability.

Strange insurance.

[windows_chepstow]

Ross,

It's not strange really.  When you're talking about millions of pounds worth of insurance; it more the case of dropping your ladders on someone's head, or a pram and brain damaging the baby (God forbid).

If you break a window; you replace it yourself.  The chances are you'll have difficulty in breaking a double glazed window and with a single paned window they're easy to replace.  It wouldn't be worth claiming.

I remember Philip Hanson providing an example about an uninsured scaffolder who dropped a peice of scaffolding from a height and it landed on a babies head; brain damaging the poor child for life. 

Adding insult to injury, there wasn't even the compensation available - no insurance - to provide for the child's upkeep and I guess the parents had to rely on what our state could provide.

[rosskesava]

Hi Tosh

If you break a window; you replace it yourself.  The chances are you'll have difficulty in breaking a double glazed window and with a single paned window they're easy to replace.  It wouldn't be worth claiming.

I broke a huge paine of Victorian glass in a listed building. The insurance paid up and it cost £530 to replace. It was about 8ft by 3 or 4 and curved at the top. All I did was to mop and it just cracked.

Obviously we said that it happened when the wind blew ................. the ladder ..........

The annoying thing was that when we have to show our insurance documents if a company requires it, the bu**ers have written previous claims on it.

As for public liability - I'm still searching for an insurance that covers breakage and working above 2nd floor in a block of flats etc.

I can't find one.

Does yours cover that?

Cheers

Ross

I added this later - the insurance covers damage upto the 2nd floor but public liability only up to the 4th floor. Sorry if what I wrote seemed confusing. It's so confussing. I write a few lines here but on the small print - it's five pages.

[craig jwc]

I have my insurance with Groupama £72.84p.

It's the cheapest one i could find!! But i'm happy with that 


Craig

[Thecleanerservice]

How much does that cover you for Craig?

Pj

[craig jwc]

Public liability

1. Includes cover for damage or injury caused by defects in goods or materials supplied by you.
2. Legal expenses cover for tax investigations - £25,000 any one investigation and £50,000 in any one period of insurance.

Excess Levels

Public Liability - 250 GBP Property Damage

Tools - The first 200 GBP in respect of computers, computer equipment, computer accessories, computer parts and computer software. The first 100 GBP in respect of loss or damage to glass or non-ferrous metals. The first 50 GBP in repect of all other losses

EXCLUSIONS AND RESTRICTIONS

Where Cover Applies

All premises except the following: docks, harbours, railways, watercraft or offshore gas or oil installations, chemical or petrochemical works, oil or gas refineries or storage facilities, aircraft, airports or airfields, collieries mines or quarries, power stations, or any installations where nuclear processing is undertaken.


The COMPANY will not be liable for

any liability caused by or arising out of or in connection with
the cleaning of exteriors of buildings of more than 4 storeys in height
work on roofs or from slings or cradles
damage to glass signs or other items being cleaned

I took this off the email they sent me.