[squeaky_klean]

I've been window cleaning for 7 years now and have had no problems getting insurance.  However recently I've become Ltd and have found it to be very difficult to get insurance.  I'm told that i need it by law. Does anyone konw where to get employers insurance from and do i really need it?

[STEVE71163]

I would give the NFMWGC a ring  because they have companys that can give employer liability. Their number is 0161-432-8754

Hope this helps!

Steve

[paul]

I AGREE WITH STEVE I GOT MINE THROUGH THE FED IM CURRENTL INSURED WITH NIG

[denzle]

Got mine through the fed as well but i'm with Eagle Star.
If you employ anyone then by law you must have employers liabiliy ( Bloody expensive it is too ) If you are on your own then Public Liability is all you need ( Not sure whether that is by law ) but it makes sense to have it.
Denzle

[STEVE71163]

I may be wrong but i think if you are a limited company you would need employer liability anyway because you are an employee of the business

Steve

[squeaky_klean]

Yes I spoke to the insurers and they said as a company even if you dont employ anyone you are in effect employing yourself so you have to have it.  Eagle star said £650.
Beginning to think I made a mistake becoming ltd.

[NP_Cleaning]

You might try CIS, they do a Commercial combined policy that covers both Employers Liability and Public Liability for most trades.

[M4RK]

If there is only yourself involved in the ltd company would it still be necessary to have employers liability?

After all isn't employer's liability there to cover in case of employees suing the company?

But if you are the director of the company and don't employ anyone else, would you really sue yourself?!

[WavieDavie]

If you are a Ltd Co you are technically an employee of yourself, and as such need to have EL insurance.

However, in the latest issue from Federation of Small Businesses there is an article on this very subject.

QUOTE
A consultation seeking views on whether the requirement for the smallest companies to have employers' compulsory liability insuranceshould be removed, has been launched by the Dept for Work and Pensions. Some 300,000 companies where the owner is the sole employee would be affected by the removal of the requirement, which would bring them into line with similar unincorporated bisinesses.
The DWP's initial view following a review of ELCI is that one-man companies should be exempted. The consultation paper is at (it gave the wrong address as this link is obviously out of date, the consultation closed on June 22. After a bit of searching I got the following . . .)
http://www.dwp.gov.uk/publications/dwp/2003/elci/dwp_employers_review04-12-2003.pdf

You can contact Public enquiries on 020 7712 2171 for more information.

[M4RK]

There is now an updated review which looks positive for getting rid of the need for small incorporated companies to have EL.

Follow this link:

http://http://www.dwp.gov.uk/publications/dwp/2004/ria/elci_300304.pdf
Summary and recommendation
47. There might be a case for not considering the requirement for incorporated
owners/sole employees to purchase ELCI to be necessary and proportionate. The case
hinges on whether incorporated owners/sole employees ever make claims for
compensation against themselves.
48. The option (1) to remove the requirement for incorporated owners/sole employees to
purchase ELCI is recommended.