[alansavvi]

alansavvi how many employees does that cover you for?

As many as i want as long as i tell them, I have just got them to reduce the premium to £775.

[alansavvi]

Had a very interesting chat with the underwriter at zurich who told me that it is unlikely to see premiums reduce because they have not enough data on the use of wfp.

What ths means is that they have no claims history that they can compare with those that use ladders. They are the cheapest around and they know it so it is worth going to them.

What this does emphasize is that out trade does not have  useful representation to lobby in cases like this. We dont want regualtion, but rather someone or something that will do more than just print a quarterly magazine, stickers for your van and 'who can clean the fastest' competitions. I am of course talking about the NFMWGC.

[CWCS]

Hi alan have you a phone number or a contact so I can get a quote from zurich

[alansavvi]

Hi alan have you a phone number or a contact so I can get a quote from zurich

Zurich

08459 454 595

Just send the commission to me!

[harry123]

i get my insur from the royle bank of scotland for £150 per year its £42.50p the frist month then £12.50 after that but i'm only a sole trader

[alansavvi]

Late news

Got a cheaper quote, £10 million employers liability and £1 million public, only £468 as long as all work is done by wfp, no ladders, at last a victory for all window cleaners an insurer that is willing to listen and adapt.

Believe me this is big. My first quote was £1500, and i know wc who are paying this.

[windows_chepstow]

Got a cheaper quote, £10 million employers liability and £1 million public, only £468 as long as all work is done by wfp, no ladders,

What's the company called?  That sounds very reasonable.

[steve k]

Employers liability insurance covers you in the event that a claim is brought against you by your staff.

Employers liability insurance is a legal requirement where you have staff.

If you are not a limited company, then staff are those people who work for you - but excluding, as well as yourself, any business partners or family members.
 
Labour-only subcontractors are also treated as being your staff. Labour-only subcontractors are those people working under your guidance and using your tools and equipment.
 
If you are a limited company with only one person (including yourself, all manual and clerical staff) and you own more than 51% of the business, then employer’s liability insurance is not required.
If you are a limited company but with only one person but you own less than 51% of the business then employer’s liability insurance is required.
If you are a limited company with more than one person then employer’s liability insurance is required.
The level of cover is provided at the standard industry level of £10m.

[steve k]

have a mess around here and compare quotes. This is who I am with and they seem very good and competitive.

http://www.insuranceservices.co.uk/store/NewQuote.do?streamId=contracting

[Central Window Cleaners]

This company does not include employee liability in there policies for window cleaners it is only public liability

[steve k]

I have £1 million public liability with these and am covered for 1 labour only sub contractor. In their own website, they state that a labour only sub contractor is classed as an employee and so you should have employees laibilty insurance but they only cover us for public liability...?? I have asked them to clarify this, but no response yet.

[Central Window Cleaners]

Can anybody help me I cannot find anyone to insure me for employee liability for less the £4250 for 2 directors and upto 4 sub contractors.

[Moderator David@stives]

c`mon caustic who`s it with then

[Central Window Cleaners]

Just spoken to Zurich and they have give me a quote of £1276 for 5 manual and 1 clerical and they offer monthly direct debit option.

[alansavvi]

If you give me your phone number and name i will get my contact to call you, they are much cheaper than Zurich.

[daniel b]

Darwin and clayton do ours they have a part on there web site just for cleaners,our company has been with them for over 20 years very resonable prices.  www.darwinclayton.co.uk

[Central Window Cleaners]

my contact details are on my site

http://www.centralwindowcleaners.com/

Thanks for the reply

[alansavvi]

to Caustic soda

david
01736756394
let me know when you have seen this then i will remove it

Thanks mate, i will get them to contact you on monday. you can remove your number