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Milltown Cleaning

  • Posts: 470
PLI
« on: October 30, 2009, 02:53:17 pm »
trying to sort out PLI  at the minute. All my work at the minute is residential, of course in the future i want to get some domestic work. i know that domestic contracts often require £5 or £10million cover.

What i want to know is for domestic work, would £1million cover do to start with? i could then amend this as i need to.
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Sean Dyer

  • Posts: 2947
Re: PLI
« Reply #1 on: October 30, 2009, 02:56:44 pm »
i reckon so, just check the differnce in price between 1, 2, 5 though, often it isnt alot
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dazmond

  • Posts: 23977
Re: PLI
« Reply #2 on: October 30, 2009, 03:15:07 pm »
ive never had PLI in 15 years!i suppose its a good idea in theory.ive broke a few tiles on roofs and a few plant pots!thats it though!if ur accident prone then u shouldnt be a WC!! ;D ;D im a sole trader,dome.stics only.need it if u employ though
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price higher/work harder!

Milltown Cleaning

  • Posts: 470
Re: PLI
« Reply #3 on: October 30, 2009, 04:27:50 pm »
are you suggesting that i would not need PLI if solely workin residential!?

i wouldnt consider myself accident prone......but other people are!!!
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R W C

Re: PLI
« Reply #4 on: October 30, 2009, 05:11:38 pm »
isnt residential and domestic the same, think you mean commercial  ???
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Nathanael Jones

  • Posts: 5596
Re: PLI
« Reply #5 on: October 30, 2009, 05:14:19 pm »
Quote from: dazmond on October 30, 2009, 03:15:07 pm
ive never had PLI in 15 years!i suppose its a good idea in theory.ive broke a few tiles on roofs and a few plant pots!thats it though!if ur accident prone then u shouldnt be a WC!! ;D ;D im a sole trader,dome.stics only.need it if u employ though
Isn't it a legal requirement in the UK to have adequate insurance cover for your business?
In Ireland the general opinion is anyone uninsured is a cowboy! PL is cheap,.. I pay less than €2 per day (€600 per annum) for 6.5 million cover,.. and in the UK it is even cheaper.
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dazmond

  • Posts: 23977
Re: PLI
« Reply #6 on: October 30, 2009, 05:21:46 pm »
no its not a legal requirment to have PLI if ur a sole trader.im just cleaning windows on domestics.not abseiling!!of course it is if uv got employees.
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price higher/work harder!

Milltown Cleaning

  • Posts: 470
Re: PLI
« Reply #7 on: October 30, 2009, 05:27:48 pm »
Quote from: R W C on October 30, 2009, 05:11:38 pm
isnt residential and domestic the same, think you mean commercial  ???

my bad!! bit distracted  today, yea i meant commercial!
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Dean Taberner

  • Posts: 4164
Re: PLI
« Reply #8 on: October 30, 2009, 05:28:15 pm »
dazmond,

You definately need PLI, Its less than £100 for a soletrader working alone.

Dean
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Operations manager at J.V Price Ltd

http://www.thepricegroup.co.uk

cornelius jemmerso

  • Posts: 36
Re: PLI
« Reply #9 on: October 30, 2009, 06:20:51 pm »
daz, you dont need pli,   but if a granny slips on a  drop of soapy water , you will wish u had it .   
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Mike #1

  • Posts: 4668
Re: PLI
« Reply #10 on: October 30, 2009, 06:29:55 pm »
you need pli it will only take one accident and someone will sue you, You could lose everthing for the sake of £80.00 a year
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A & J Owen Window Cleaning

  • Posts: 2192
Re: PLI
« Reply #11 on: October 30, 2009, 06:41:54 pm »
to start off 1 million is fine if you do commercial or tender for public sector work you will need 5 million they insist on it for tender how much you paying at moment mate
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Mike #1

  • Posts: 4668
Re: PLI
« Reply #12 on: October 30, 2009, 06:56:34 pm »
i pay £136.00 a year for 5million plus £2,000 worth of tool cover
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Nathanael Jones

  • Posts: 5596
Re: PLI
« Reply #13 on: October 30, 2009, 06:57:31 pm »
My personal opinion,.. if you're not insured then you're not serious about your business.
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dazmond

  • Posts: 23977
Re: PLI
« Reply #14 on: October 30, 2009, 07:01:36 pm »
prowindow ur probably right.i think i should if its that cheap for a year!i dont see what could happen though?im cleaning windows not using chainsaws on their trees!the odd broken plant pot and roof tiles.caught my ladders on a sky dish once and gave her the money for a new one.i dont leave ladders near cars for instance when its windy!i use trad poles a lot on dodgy windows and work steady and relaxed.as for leaving soaping water for the o.a.ps to slip on i dont have my T MOP that wet or chuck my bucket of water on their pathways!
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price higher/work harder!

dazmond

  • Posts: 23977
Re: PLI
« Reply #15 on: October 30, 2009, 07:12:46 pm »
NATHANAEL JONES ur probably right.i dont take my business as seriously as some on here.i think i will get PLI and logo d shirts,van and WFP.Im learning a lot since ive logged into this site.ive never been much of a businessman.doesnt mean i cant change though at 38 and 15 yrs TRAD cleaning under my belt.in the past i played drums for various bands and never put 100per cent into the business but ive given up the rock n roll lifestyle for good!my pricing has got a lot better since coming on here with u lot!!

best wishes to u all

dazmond
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price higher/work harder!

hennessy window cl

  • Posts: 91
nathanael jones
« Reply #16 on: October 31, 2009, 02:49:36 pm »
nathanael,
                 would you mind telling me what company you use for pl cover in Ireland as I use FBD,
                                             Cheers,
                                                       Liam.


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liam hennessy

wightsurf

  • Posts: 1774
Re: PLI
« Reply #17 on: October 31, 2009, 07:52:56 pm »
1-5 million PLI is simple enough but to get 10 million i had to go for underwriten 5 million which in total cost me alot more.

PLI 5 million
underwriten 5 million
sort of like 2 policys
Anyone know a easyier way to get 10 million please let me know ;)
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