Employers Liability Insurance Quotes
Employers Liability Insurance is compulsory for any window cleaners or window cleaning contractors who employ staff in the UK. The Employers Liability (Compulsory Insurance) Act 1969 states that any business who employs staff or uses labour only sub contractors must arrange employers liability insurance to provide their employess with the opportunity to seek compensation should they be injured or contract a disease whilst in the course of their employment.
Window cleaners have found it difficult to find an insurance company that will provide employers liability insurance due to the bad press that the industry received over many years. Since the devleopment of water fed poles and reach and wash systems has revolutionised the industry, more insurers are now willing to offer cover, though many are still very expensive.
Finding cheap Window Cleaners Employers Liability Insurance
Allied Insurance are able to offer the following guarantee for any window cleaning company needing employers liability insurance. If you have suffered few or no claims in the last 5 years we will guarantee to beat your renewal quote or any other quote you receive by at least 15%. We will provide a combined public and employers liability insurance policy with damage to property to worked upon cover for less than any other quote.
Who needs Employers Liability Insurance?
There are certain exemptions to the law but as a rule of thumb, if your company is incorporated as a Ltd company with more than one director you MUST have the cover. If you operate as a self employed plasterer (sole trader or partnership) and you employ anyone other than close members of your family then you MUST have the cover. If your circumstances are anything different you should read the full Employers Liability Act.
The Limit of Indemnity
The minimum amount of cover you must provide is £5 million. However the insurance industry has for many years opted to provide £10,000,000 of cover and this is what you will get as standard. Whilst you can choose the limit of indemnity for public liability insurance you can't choose it for employers liability cover.
Compare window cleaners employers liability insurance quotes online.