If your business employs staff or uses sub contractors then you will need to take out a combined liability insurance policy including both Public and Employers Liability Insurance. You will need by law under the Employers' Liability (Compulsory Insurance) Act 1969 to ensure that your policy has a minimum level of indemnity of £5,000,000 for Employer's Liability Insurance. The Health & Safety Executive can and will fine any business that does not have this minimum level of cover to protect their employees. The fine can be as much as £2,500 for each day that you are without suitable insurance. Get a quote now

The Polished Insurance Combined Liability policy is underwritten by Quinn Direct Ltd, who are authorised and regulated by the Financial Services Authority. The policy offers a £10,000,000 level of indemnity for Employer's Liability Insurance and a range of options for Public Liability Insurance from £1,000,000 to £5,000,000 and more if needed. The policy offers your business many essential covers that you may have overlooked in the past including:

> Damage to property being worked upon, (such as windows, floors, machinery etc) which
> most policies exclude.
> Treatment risks (damage to upholstery, carpets etc).
> £15,000 "all risks" cover for tools and equipment cover.
> Loss of keys and consequential loss therefrom.
> An automatic height limit of 25m for window cleaning work.
> An option to increase the height limit to 85metres
> Cover for abseiling and work involving harnesses or cradles for window cleaners

The premiums start from just £650 including Insurance Premium Tax and discounts are available for members of the Federation of Window Cleaners. (www.f-w-c.co.uk) by quoting your FWC membership number. Cover can be arranged immediately over the phone and the premium can be paid monthly subject to an interest charge of 6% (a £50 minimum charge is applied by Premium Credit Ltd).

For a quotation please call Shelley Davies or Mark Farrimond on 01942 234 093 or complete the online form here

Have you considered Personal Accident Insurance to protect your income in the event of an accident? Click here to read more about the Polished Personal Accident Insurance cover for cleaning contractors.