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Mr B shine

  • Posts: 145
Insurance
« on: July 13, 2018, 11:50:14 am »
Who do you get your insurance through?
 Cheers
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Simon Trapani

  • Posts: 1562
Re: Insurance
« Reply #1 on: July 13, 2018, 04:07:24 pm »
Van insurance?
Public liability Insurance?
Employers Liabilty?
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Mr B shine

  • Posts: 145
Re: Insurance
« Reply #2 on: July 13, 2018, 04:19:37 pm »
Window cleaning 😄.

Just the general insurance incase we destroy someone's property etc
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The Jester of Wibbly

  • Posts: 2162
Re: Insurance
« Reply #3 on: July 13, 2018, 04:50:12 pm »
Quote from: Mr B shine on July 13, 2018, 04:19:37 pm
Window cleaning 😄.

Just the general insurance incase we destroy someone's property etc

In which case you're looking for public liability insurance plus the property you're working on and the work.

Gleaming.co.uk
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dazmond

  • Posts: 23981
Re: Insurance
« Reply #4 on: July 13, 2018, 05:49:57 pm »
simply business for public liability.....around £80 for £1million cover....
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price higher/work harder!

The Jester of Wibbly

  • Posts: 2162
Re: Insurance
« Reply #5 on: July 13, 2018, 05:54:41 pm »
Quote from: dazmond on July 13, 2018, 05:49:57 pm
simply business for public liability.....around £80 for £1million cover....

He is asking for the glass he is working on not just 3rd party
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Shrek

  • Posts: 3931
Re: Insurance
« Reply #6 on: July 13, 2018, 05:57:38 pm »
I used to be with simply business but they only cover you if your ladder falls and smashes someone’s car - doesn’t cover you if you smash someone’s window so I changed to gleaming. I think it was £180 for the year
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Simon Trapani

  • Posts: 1562
Re: Insurance
« Reply #7 on: July 13, 2018, 06:08:52 pm »
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dazmond

  • Posts: 23981
Re: Insurance
« Reply #8 on: July 13, 2018, 06:09:30 pm »
actually ive just checked and it was just under £65 for a years cover....thatll do.....ive never needed it in 25 years of window cleaning anyway.... ;D
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price higher/work harder!

andyM

  • Posts: 6100
Re: Insurance
« Reply #9 on: July 13, 2018, 06:45:54 pm »
Quote from: dazmond on July 13, 2018, 06:09:30 pm
actually ive just checked and it was just under £65 for a years cover....thatll do.....ive never needed it in 25 years of window cleaning anyway.... ;D


Just be careful with that lot (Simply Business).
They auto renewed me one year and took the money out of my account about 3 days before the renewal was even due.
Cheeky buggers.
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One of the Plebs

KS Cleaning

  • Posts: 3955
Re: Insurance
« Reply #10 on: July 13, 2018, 11:56:42 pm »
Quote from: dazmond on July 13, 2018, 05:49:57 pm
simply business for public liability.....around £80 for £1million cover....
I need to have £5 million cover in order to obtain a window cleaners license🙁
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The Jester of Wibbly

  • Posts: 2162
Re: Insurance
« Reply #11 on: July 14, 2018, 07:38:31 am »
Quote from: KS Cleaning on July 13, 2018, 11:56:42 pm
Quote from: dazmond on July 13, 2018, 05:49:57 pm
simply business for public liability.....around £80 for £1million cover....
I need to have £5 million cover in order to obtain a window cleaners license🙁

Same I need £5 mill too due to compliance of some of my larger commercials and council contracts
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Pete Thompson

  • Posts: 960
Re: Insurance
« Reply #12 on: July 14, 2018, 12:31:23 pm »
Alexander Swan.
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SB Cleaning

  • Posts: 4287
Re: Insurance
« Reply #13 on: July 14, 2018, 01:15:37 pm »
Gleaming for me 8)
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Splash & dash

  • Posts: 4364
Re: Insurance
« Reply #14 on: July 14, 2018, 04:50:58 pm »
Quote from: Shrek on July 13, 2018, 05:57:38 pm
I used to be with simply business but they only cover you if your ladder falls and smashes someone’s car - doesn’t cover you if you smash someone’s window so I changed to gleaming. I think it was £180 for the year



Just out of intrest what’s the excess if you have to make a claim ?
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Shrek

  • Posts: 3931
Re: Insurance
« Reply #15 on: July 14, 2018, 05:05:24 pm »
Quote from: Reflections south west on July 14, 2018, 04:50:58 pm
Quote from: Shrek on July 13, 2018, 05:57:38 pm
I used to be with simply business but they only cover you if your ladder falls and smashes someone’s car - doesn’t cover you if you smash someone’s window so I changed to gleaming. I think it was £180 for the year



Just out of intrest what’s the excess if you have to make a claim ?

£150 per claim
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Go

Re: Insurance
« Reply #16 on: July 14, 2018, 05:35:07 pm »
Think ours is well over a grand but that’s over 25metres, employers liability and plant cover. Still with hiscox though.
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DeLuce

  • Posts: 1153
Re: Insurance
« Reply #17 on: July 14, 2018, 07:03:16 pm »
Gleaming for me too.
Covered for damage when working on.......
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Bernie Green

  • Posts: 13
Re: Insurance
« Reply #18 on: July 15, 2018, 11:24:03 am »
There have been threads before from people who thought they had insurance until they made a claim. Then they found the main job of the insurance company appeared to be finding excuses not to pay out.

Don't automatically assume that its as straight forward as you might like to think.
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