[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

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

It is correct.

If you employ, it makes no difference if they are family members or not.

My wife is on paye through my company as am i, she is not a director, she is not a partner, she is simply an employee.

[Arnold Palmer]

Try working in Scotland.

No PLI = no licence.

[The Jester of Wibbly]

Some commercial expect to see your certificate before you start.

Most schools expect min £5 mill pl

[Plankton]

Last FOI request to local council shows there is not many windys with licences, only 14 or 15 shiners had a licence. But yes if you want to apply for one you need proof of PL. So how does that work out for Sole Trader's? Any link for this rule just out of curiosity although I wouldn't advise (against) not having PL as in the event of a claim it's your property that could be paying for the bill.

[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.

It is correct.

If you employ, it makes no difference if they are family members or not.

My wife is on paye through my company as am i, she is not a director, she is not a partner, she is simply an employee.

I take it you are a Ltd company? That will be the reason you need the employers insurance for family members. If you’re not a Ltd company you don’t need employers insurance for immediate family members.

[Plankton]

Have you got a link to confirm?

[KS Cleaning]

Have you got a link to confirm?

No I don’t have a link, but this exemption applies to employers insurance, not  public liability insurance.

[Pete Thompson]

My insurances are as follows:

Commercial Vehicle (2017 Toyota Proace) - Fully Comp: £361
System & Poles : £230 (700 Litre Pure2o [Ionic] System)
Public Liability (£1m includes property worked on) : £107
Replacement Reach & Wash vehicle : £75

All with Alexander Swan, who are a brilliant company.  Highly recommend.

[Plankton]

So you were right...

Employers’ Liability (Compulsory Insurance) Act 1969
2 Employees to be covered.
(1)For the purposes of this Act the term “employee” means an individual who has entered into or works under a contract of service or apprenticeship with an employer whether by way of manual labour, clerical work or otherwise, whether such contract is expressed or implied, oral or in writing.
(2)This Act shall not require an employer to insure—
(a)in respect of an employee of whom the employer is the husband, wife,[F1civil partner,] father, mother, grandfather, grandmother, step-father, step-mother, son, daughter, grandson, granddaughter, stepson, stepdaughter, brother, sister, half-brother or half-sister; or
(b)except as otherwise provided by regulations, in respect of employees not ordinarily resident in Great Britain.

[KS Cleaning]

So you were right...

Employers’ Liability (Compulsory Insurance) Act 1969
2 Employees to be covered.
(1)For the purposes of this Act the term “employee” means an individual who has entered into or works under a contract of service or apprenticeship with an employer whether by way of manual labour, clerical work or otherwise, whether such contract is expressed or implied, oral or in writing.
(2)This Act shall not require an employer to insure—
(a)in respect of an employee of whom the employer is the husband, wife,[F1civil partner,] father, mother, grandfather, grandmother, step-father, step-mother, son, daughter, grandson, granddaughter, stepson, stepdaughter, brother, sister, half-brother or half-sister; or
(b)except as otherwise provided by regulations, in respect of employees not ordinarily resident in Great Britain.

😉

[Plankton]

£92 for myself but any damage and I'll need to get the window cleaning gear out! Need to up it to employers liability so waiting to hear back.
703 - Property being worked upon
The Public liability section will apply to accidental loss of or damage to property you are or have been cleaning, restoring or treating at your premises or at your customers premises where loss or damage arises from that work. We will pay the amount of damages for which you become legally liable subject to the following
504 - Ropes, cradles or harnesses exclusion
We will not cover any bodily injury, loss or damage arising out of the use of lifting platforms, ropes, cradles or harnesses.
505 - Exterior building cleaning exclusion
We will not cover any bodily injury, loss or damage arising out of the cleaning of the exterior of buildings (other than window cleaning).