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PostPosted: Sun Feb 19, 2012 8:17 pm 
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Just getting some quotes for Public Liability as mines dues to expire.

Got a pleasant suprise with quotes coming in around £70.00 for £2million of cover.

Would have been less for £1million which would be adequate cover for most of my jobs now im back to just little owd me but I still have a few jobs that require the higher level of cover.

Happy days! :thumbright:


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PostPosted: Sun Feb 19, 2012 8:26 pm 
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Link??? got mine thru Zurich last year..about £80...only thing not covered, excavation below 2 Metres and hot works(Flat rooves and boiling tar..)

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PostPosted: Sun Feb 19, 2012 8:31 pm 
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wine~o wrote:
Link??? got mine thru Zurich last year..about £80...only thing not covered, excavation below 2 Metres and hot works(Flat rooves and boiling tar..)


Moneysupermarket or simply business matey. Glemham was my best price. :thumbright:


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PostPosted: Sun Feb 19, 2012 8:33 pm 
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Thanks Fitzy....I went through

http://www.tradedirectinsurance.co.uk/P ... ility.aspx

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PostPosted: Mon Feb 20, 2012 7:27 pm 
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Got mine through Tradesman Saver - £60 for £1 million :thumbright:


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PostPosted: Tue Feb 21, 2012 10:16 am 
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God i remember i was £180 a month :cb

Factory work, height work, hot work, you name it.

Had to be many millions cover though, 10m-20m i can't remember exactly


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PostPosted: Wed Feb 22, 2012 9:59 pm 
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AyrshireDec wrote:
God i remember i was £180 a month :cb

Factory work, height work, hot work, you name it.

Had to be many millions cover though, 10m-20m i can't remember exactly


I take it you had quite a few working for you then? Do you still employ mate?


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PostPosted: Thu Feb 23, 2012 7:12 pm 
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fitzy wrote:
AyrshireDec wrote:
God i remember i was £180 a month :cb

Factory work, height work, hot work, you name it.

Had to be many millions cover though, 10m-20m i can't remember exactly


I take it you had quite a few working for you then? Do you still employ mate?


naw they days are long gone. :cb

we were printing money in they days, still went out as fast as it came in though :lol:

VAT was the killer, writing cheques for 3-4k every few months not only broke my heart but was a struggle at times.
Knowing what in knew now i would have stayed under the VAT threshold and only invoiced a maxium per month, then carried a couple on to the next month always having a couple in hand.


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PostPosted: Thu Feb 23, 2012 7:57 pm 
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I was working in a gaff worth 20 mill the other day, i was thinking how much it would be if i was working in properties like this for a longer period,loool


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PostPosted: Thu Feb 23, 2012 8:40 pm 
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AyrshireDec wrote:
fitzy wrote:
AyrshireDec wrote:
God i remember i was £180 a month :cb

Factory work, height work, hot work, you name it.

Had to be many millions cover though, 10m-20m i can't remember exactly


I take it you had quite a few working for you then? Do you still employ mate?


naw they days are long gone. :cb

we were printing money in they days, still went out as fast as it came in though :lol:

VAT was the killer, writing cheques for 3-4k every few months not only broke my heart but was a struggle at times.
Knowing what in knew now i would have stayed under the VAT threshold and only invoiced a maxium per month, then carried a couple on to the next month always having a couple in hand.[/quote

I was vat registered for a few years when i employed a couple. It worked out well when we were doing work for companies and new work was brill. I found it helped when the year end was due because i had everything together in 3 monthly folders.

When everything started to slow down and we relied more on domestic work it became a problem.

Im now happily ploddin along on my own now. No vat no staff.

Happy days.


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PostPosted: Thu Feb 23, 2012 8:51 pm 
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I worked in a factory that made millions and millions of profit a year, moved it all to china and it all stopped.

Would spend a fortune doing it up and keeping it maintained.

Also got in the door at a theme park and done that up only for them close the following year, (keep wondering if it was my prices) :dunno: :lol:

Thankful of anything now tbh.


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PostPosted: Thu Feb 23, 2012 9:34 pm 
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I did some factory bashin when i was younger...i thought i was doing alright until i had a conversation with the accountant who told me the factory i was working on spent more on toilet paper per year than decorating.....sort of brought me down to earth


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PostPosted: Mon Feb 27, 2012 9:03 pm 
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Mine is also with Zurich and I pay about £130 a year. I keep meaning to get mine adjusted because I don't do hot works anymore and I'm insured to go above 'standard house height' - I've got wobbly legs now so that can go too!

PS I'm not sure what 'standard house height' is but when I asked Zurich before starting a re-roof job they just said it was a standard house. When I mentioned all the standard houses in the area was 5 stories minimum they said I should knock the insurance up

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