[John Mart]

What does it matter what it costs.

Tax deductible (assuming you pay tax of course).

That's only a 30% saving. It still costs.

Parto's too thick to realise that. 

[LT carpet cleaning]

What does it matter what it costs.

Tax deductible (assuming you pay tax of course).

That's only a 30% saving. It still costs.

Parto's too thick to realise that. 

Go back to defending rapists and groomers 

[LT carpet cleaning]

What does it matter what it costs.

Tax deductible (assuming you pay tax of course).

That's only a 30% saving. It still costs.

Of course. Still very much worth having a decent policy though.  Every little helps etc. I would have thought piece of mind too.

[nathankaye]

So a while back i was wrongfully accused of scratching some glass (residential) and when i spoke to my insurers they took the approach that its hard to prove that i didnt do it, if they are insistant. That was even after i presented them with, what i thought was strong prove that it wasnt me.

So in other words, they dont put up much of a fight and those panels were £600 each.
I supppse if it was going to cost the insurers too much, then they would fight for themselves, ,,,,,,erm i mean you 😂😂

[John Mart]

What does it matter what it costs.

Tax deductible (assuming you pay tax of course).

That's only a 30% saving. It still costs.

Of course. Still very much worth having a decent policy though.  Every little helps etc. I would have thought piece of mind too.

Peace you thick moron

[LT carpet cleaning]

What does it matter what it costs.

Tax deductible (assuming you pay tax of course).

That's only a 30% saving. It still costs.

Of course. Still very much worth having a decent policy though.  Every little helps etc. I would have thought piece of mind too.

Peace you thick moron

Full stop at the end you complete kn0b. 

[Arnold Palmer]

So a while back i was wrongfully accused of scratching some glass (residential) and when i spoke to my insurers they took the approach that its hard to prove that i didnt do it, if they are insistant. That was even after i presented them with, what i thought was strong prove that it wasnt me.

So in other words, they dont put up much of a fight and those panels were £600 each.
I supppse if it was going to cost the insurers too much, then they would fight for themselves, ,,,,,,erm i mean you

With insures it's simple:

How much is the claim going to cost to fix.
How much is the legal cost to fight the claim.
How likely are they to win the fight.

If it's cheaper to fix than to fight, they fix it. If not they consider fighting it.

Yes, it's difficult to prove you didn't do it, but the burden of proof isn't with you,  it's with the accuser. Remember it's just as difficult to prove that you did do it. I suspect the insurance company fobbed you off because they knew, that in all likelihood, that would be the last they heard from you.

[dazmond]

Madness not to be covered for buildings worked on. I clean a college that has a full section of glazing that cost £2k per unit, 60 of them, unlikely but if I somehow managed to damage that it would ruin me. £15 a month well spent imo.

why?i dont clean colleges or schools and wouldnt take them on anyway....for years i never had any public liability insurance AT ALL when i was on the ladders........

[dazmond]

I’m with Polished insurance & it does cover glass worked on. Obviously there’s an excess. I’m sure it wasn’t much extra than my previous company. Hard for me to compare now though as it’s all rolled in with my tools cover and/or employer’s liability I think. Can’t remember off the top of my head.

Daz, why spend four grand on a hot system, have a new van and then skimp roughly an extra £50-£100 a year on insurance? Yes it’s unlikely you’ll ever need it but you could say the same about car insurance. It’s just peace of mind for me personally.

i just dont see a need for anything but the basic insurance mate...i never used to have any when i was on the ladders!

[cleaniac]

I pay £50 a month for both public liability and employee liability for up to 3 workers.

Its a legal requirement if you are an employer, and since me and the missus are employees, i figured might as well go for 3 as if I use a sub contractor or casual worker ( i have for a couple of days this year) i have cover in place.

If you don't have cover, they can charge you £2500 per day for not having insurance in place. 

[cleaniac]

Madness not to be covered for buildings worked on. I clean a college that has a full section of glazing that cost £2k per unit, 60 of them, unlikely but if I somehow managed to damage that it would ruin me. £15 a month well spent imo.

why?i dont clean colleges or schools and wouldnt take them on anyway....for years i never had any public liability insurance AT ALL when i was on the ladders........

As a sole trader its not a legal requirement to have public liability insurance in place. So dont worry about it daz.

[Dry Clean]

So a while back i was wrongfully accused of scratching some glass (residential) and when i spoke to my insurers they took the approach that its hard to prove that i didnt do it, if they are insistant. That was even after i presented them with, what i thought was strong prove that it wasnt me.

So in other words, they dont put up much of a fight and those panels were £600 each.
I supppse if it was going to cost the insurers too much, then they would fight for themselves, ,,,,,,erm i mean you

With insures it's simple:

How much is the claim going to cost to fix.
How much is the legal cost to fight the claim.
How likely are they to win the fight.

If it's cheaper to fix than to fight, they fix it. If not they consider fighting it.

Yes, it's difficult to prove you didn't do it, but the burden of proof isn't with you,  it's with the accuser. Remember it's just as difficult to prove that you did do it. I suspect the insurance company fobbed you off because they knew, that in all likelihood, that would be the last they heard from you.

If they had bothered to come on here and read his posts  they would have fought it the whole way, he actually scrubbed the concrete off the glass because he thought hot water would melt it, I kid you not,lol

[nathankaye]

Sean sean sean, give it a rest with your inexperience viewpoint of hot water.

In addition the concrete splatter was at the bottom on the panes and the scratches were towards the top half of the panels.

[Arnold Palmer]

Sean sean sean, give it a rest with your inexperience viewpoint of hot water.

Are you saying that cement does melt in hot water?

[P @ F]

No , hold on a minute chaps , Nath isnt on about the patio doors incident , this is the one where he forgot to turn the immersion off when he should have and that resulted in him melting the whole house 

[Stoots]

I pay £50 a month for both public liability and employee liability for up to 3 workers.

Its a legal requirement if you are an employer, and since me and the missus are employees, i figured might as well go for 3 as if I use a sub contractor or casual worker ( i have for a couple of days this year) i have cover in place.

If you don't have cover, they can charge you £2500 per day for not having insurance in place. 

You dont need Employers Liability if you are a sole employee and own at least 50% of shares.

Of course in your case you do with the wife but just to be clear, i cancelled mine after the last employee i had

[Dry Clean]

Sean sean sean, give it a rest with your inexperience viewpoint of hot water.

In addition the concrete splatter was at the bottom on the panes and the scratches were towards the top half of the panels.

I know Nathan, its not how you did the work but your waffle that would have sunk you, trust me when sensible/crafty  types are blaming you on scratching their glass waffling on about hot water isn't  going to help.

[cleaniac]

I pay £50 a month for both public liability and employee liability for up to 3 workers.

Its a legal requirement if you are an employer, and since me and the missus are employees, i figured might as well go for 3 as if I use a sub contractor or casual worker ( i have for a couple of days this year) i have cover in place.

If you don't have cover, they can charge you £2500 per day for not having insurance in place. 

You dont need Employers Liability if you are a sole employee and own at least 50% of shares.

Of course in your case you do with the wife but just to be clear, i cancelled mine after the last employee i had

Yes thats correct

[KS Cleaning]

I pay £50 a month for both public liability and employee liability for up to 3 workers.

Its a legal requirement if you are an employer, and since me and the missus are employees, i figured might as well go for 3 as if I use a sub contractor or casual worker ( i have for a couple of days this year) i have cover in place.

If you don't have cover, they can charge you £2500 per day for not having insurance in place. 

You dont need Employers Liability if you are a sole employee and own at least 50% of shares.

Of course in your case you do with the wife but just to be clear, i cancelled mine after the last employee i had

Yes thats correct

I don’t think that is correct, unless the law has changed recently, you don’t need employers liability insurance for family members.

[Stoots]

I pay £50 a month for both public liability and employee liability for up to 3 workers.

Its a legal requirement if you are an employer, and since me and the missus are employees, i figured might as well go for 3 as if I use a sub contractor or casual worker ( i have for a couple of days this year) i have cover in place.

If you don't have cover, they can charge you £2500 per day for not having insurance in place. 

You dont need Employers Liability if you are a sole employee and own at least 50% of shares.

Of course in your case you do with the wife but just to be clear, i cancelled mine after the last employee i had

Yes thats correct

I don’t think that is correct, unless the law has changed recently, you don’t need employers liability insurance for family members.

Yes pretty sure it is correct.

Family members excemption does not apply to ltd company's.


But this just highlights why we all should not take anyone elses word for it and should always check as laws change and you can't guess at these things the fines are massive.