[[GQC] Tim]

Once in a while this pops up, but thought I would mention it again.

Not all Public Liability insurers insure you for the material worked on. So if you would damage multiple panes, it could turn out a financial disaster.

My previous insurer asked a ridiculous price to insure for it, but with simplybusiness, I got a good deal. 2ml insured, with £125 excess, and £500 excess for the material worked on. £91.25 for 12 months. Better then nothing, especially if your bill would be much higher then £500.

Just thought it would be worth pointing out. 

[Steve CM]

i have switched to simply business for this reason

[mark dew]

The most expensive window (i think) i clean is 6ft X 3ft reinforced glass. My customer broke 1 last year and it cost him £200.
I think the excess makes this type of pl pointless for the average domestic job.
Higher work is a different story though.
I've broken 3 panes before and its never cost me more than £40 for replacement.
I have pl for appearances really. And for the small chance that i might injure a third party while working.

[John Walker]

Once in a while this pops up, but thought I would mention it again.

Not all Public Liability insurers insure you for the material worked on. So if you would damage multiple panes, it could turn out a financial disaster.

My previous insurer asked a ridiculous price to insure for it, but with simplybusiness, I got a good deal. 2ml insured, with £125 excess, and £500 excess for the material worked on. £91.25 for 12 months. Better then nothing, especially if your bill would be much higher then £500.

Just thought it would be worth pointing out. 

Useful info Tim, - thanks

Had a look on simply business site.  It came up with a good quote by Zurich.  I couldn't see where any of the quotes confirmed 'materials worked' cover.  Am I looking in the wrong place?

[Sunshine/Cleaning]

The reason they have the "material worked" on bit is to stop claims for scratched glass as a result of fabrication debris picked up on after builders cleans.
Fabrication debris is a result of bad cleaning of the equipment. As its heated up to strengthen, fragments of glass dust stick to the underside. Norman scraping during a builders clean to get the labels off then dislodges the fragments and leaves a nasty "scratch". It appears to be from using a blade, but really fabrication debris is a ticking bomb, it will at some point get dislodged.

The way around it is to get the builder to sign a waiver, he gets one from the manufacturer, stating the normal cleaning methods will be used and that the cleaner is not responsible for the bad work of the glass fabricator.

In short, if you put your pole or ladder through a conservatory you will be covered, even though it is the property you are working on. (I have checked with the underwriters) However, you are not covered for "scratched glass" as a result of "fabrication debris".

Google both terms, it makes interesting reading.

It will also help you see that the higher premium and excess are not really justified as those that include it won't pay out for scratched glass anyway. They will however allow you to pay the £500 excess when you put your ladder/pole through a roof!!

[leapstallbuildings]

Once in a while this pops up, but thought I would mention it again.

Not all Public Liability insurers insure you for the material worked on. So if you would damage multiple panes, it could turn out a financial disaster.

My previous insurer asked a ridiculous price to insure for it, but with simplybusiness, I got a good deal. 2ml insured, with £125 excess, and £500 excess for the material worked on. £91.25 for 12 months. Better then nothing, especially if your bill would be much higher then £500.

Just thought it would be worth pointing out. 

Although most companies charge a fair bit more for this type of insurance, they often have a £250 excess.  That sounds like a good deal from SB and I will take a look when the time comes.  I've never bothered with covering the item worked on until the last couple of years - since I've been doing more commercial work with expensive glass.

[leapstallbuildings]

The reason they have the "material worked" on bit is to stop claims for scratched glass as a result of fabrication debris picked up on after builders cleans.
Fabrication debris is a result of bad cleaning of the equipment. As its heated up to strengthen, fragments of glass dust stick to the underside. Norman scraping during a builders clean to get the labels off then dislodges the fragments and leaves a nasty "scratch". It appears to be from using a blade, but really fabrication debris is a ticking bomb, it will at some point get dislodged.

The way around it is to get the builder to sign a waiver, he gets one from the manufacturer, stating the normal cleaning methods will be used and that the cleaner is not responsible for the bad work of the glass fabricator.

In short, if you put your pole or ladder through a conservatory you will be covered, even though it is the property you are working on. (I have checked with the underwriters) However, you are not covered for "scratched glass" as a result of "fabrication debris".

Google both terms, it makes interesting reading.

It will also help you see that the higher premium and excess are not really justified as those that include it won't pay out for scratched glass anyway. They will however allow you to pay the £500 excess when you put your ladder/pole through a roof!!

So if you scratch it, make sure you break it?   

[Mike #1]

 I belive pl ins is a legal requirment as far as i am aware you must have pl ins if your running a business