Quotation Request

Polished Cleaners Scheme

*HIDDEN* Questions
Cleaning Insurance Quote
Public Liability Insurance
Employers Liability Insurance
Your Details
Work Undertaken
Working At Height
Optional Covers
Claims
Declaration
*HIDDEN* IGNORE

*HIDDEN* Questions

Is this an existing Allied case?
What was last years premium?
£
Close Brothers Interest Rate
Policy Number Prefix
Policy Number
Policy Number Suffix
What is the insured's ERN?
Have Camberfords issued the documents?
Details of any claims
Notes for Camberford Law
PL Excess
Business Description

General Questions

Who works in your business?
Do you own more than 50% of the shares in the Ltd company?
So there is another Director of the business?
In that case you will legally need to have Employers Liability Insurance. Is that OK?
So you wish to proceed with just Public Liability Insurance?
Who else carries out work for the business?
Who else carries out the work for the business?
So it's just you and your business partner(s) working in the business?
So who else, other than you and your business partner(s) works in the business?
Who else carries out the work for the business?

Public Liability Insurance

And when do you need cover to start from?
Does your annual turnover exceed £75,000?
Will your turnover exceed £140,000 per year?

Employers Liability Insurance

Based on the information you have provided we feel you need Employer's Liability Insurance, for which the limit of cover will be £10,000,000

So we can provide a quotation please can you provide following:
What is your estimated annual turnover?
£
What is your estimated annual wageroll for your employed cleaners?
£
What are your estimated annual payments to self employed cleaners?
£
Do you make any payments to Bona Fide Sub Contractors?
What are your estimated annual payments to Bona Fide Sub Contractors
£

Client Details

We need to collect your personal details so we can put your insurance quote together. For more information about how we use and store your details, please take a look at our privacy policy.

What is your name?
What is the name of the second partner in the business?
What is the name of the third partner in the business?
What is the name of the fourth partner in the business?
And what is the name of the business to be insured?
What is the address of the business?
Please could you provide a contact phone number for yourself
And a contact email address


What year did your business start trading?
Are you happy for this information to be used by Polished Insurance to obtain you a quotation for your business. We will not pass your information on to any other companies for marketing purposes

The Work You Undertake

What type of cleaning work do you undertake? Tick all activities you undertake
Do you include bed linen changes, washing and/or ironing services?
Do you clean in any new build properties?
Do you do any End of Tenancy Cleaning?
Do you do any house clearances?
Do you clean in shopping centres?
What areas do you clean in shopping centres?
Do you clean in any factories and/or warehouses other than communal facilities, offices, toilets and canteen areas?
Do you do any commercial kitchen cleaning?
Do you clean any ductwork or ventilation systems?
Do you clean in any new build commercial premises?
Do you clean any other types of commercial premises?
What type of premises do you clean?
Do you clean hard floors (wood, stone, tiles etc)
Do you do any restoration of hard floors?
Do you clean any new build properties?
Does any of your work involve accessing a roof to clean solar panels?
Do you clean at any solar panel farms or parks?
Will you use pressure in excess of 3,600 psi (248 bar)?
Will you do any render cleaning?
Does any of your work involve anyone being physically on the roof?
Please provide details of the type of work you undertake
Do you undertake any work at heights above 15m from the ground?
What % of your work is done inside buildings?
What % of your work is done outside buildings?
Do you do any work at a height over 1m above floor level?
What is the maximum height (in metres) that you work at?

Please give a split of the work you undertake above 1m from the floor

What % of your overall work is carried out between 1 and 5 metres from the floor?
What % of your overall work is carried out between 5 and 15 metres from the floor?
What % of your overall work is carried out between 15 and 25m from the floor?
What % of your overall work is carried out at a height over 25m from the floor?

Optional Covers

Do you require cover for your own plant, tools and equipment?
Do you need to insure any plant or equipment you hire?

Claims

Have you or any of your directors or partners, or any company of which any of you have been a director, or any partnership of which any of you been a partner, sustained any loss or damage or had a claim made against you during the last 5 years? When answering, please include any incidents which might give rise to a future claim

Declaration

Please read through the following statements

It is understood that:
Your work does not involve any discharge of fumes, effluent or anything of a noxious nature.
Your business including any bona fide sub-contractors working for your business do not undertake any hot work away from your premises. Hot work is use of any flame equipment or anything else that creates heat (other than a domestic iron) or sparks.
Your business including any bona fide sub-contractors working for your business do not undertake or intend to undertake any work on harbours or docks that boats or ships can access.
Your business including any bona fide sub-contractors working for your business do not undertake or intend to undertake any work on wharves, piers, sea defences, dams or coffer dams.
Your business including any bona fide sub-contractors working for your business do not undertake or intend to undertake any work in confined spaces.
Your business including any bona fide sub-contractors working for your business do not undertake or intend to undertake any work in aircrafts or on the airside of any airports or airfields.
You have provided your employees (if you have any) with health and safety training specific to their work activities and keeps record of such.
Your business including any bona fide sub-contractors working for your business do not undertake or intend to undertake any work on offshore installations, chemical or petro- chemical works, oil or gas refineries, fuel storage installations, power stations, nuclear plants, mines or collieries.
Your business including any bona fide sub-contractors working for your business do not undertake or intend to undertake any work in blast furnaces, commercial/industrial ovens, chimneys, well shafts, viaducts, bridges, mines, motorways, steeples, silos.
Your business including any bona fide sub-contractors working for your business do not undertake or intend to undertake any work on railways or railway installations.
Any labour only sub-contractors engaged by you are subject to the same induction and ongoing training (with records of such kept by you) as employees.
Your business including any bona fide sub-contractors do not undertake work involving the handling of asbestos, explosive or flammable substances, gases, radioactive chemicals or toxic chemicals
Your business including any bona fide sub-contractors do not undertake work involving domiciliary care services, groundworks, restoration of art, antiques or collectables, heritage or listed buildings or shot blasting
Your business including any bona fide sub-contractors working for your business do not undertake or intend to undertake any work on boats or ships.
You have completed workplace risk assessments and method statements for all significant hazards (examples of significant hazards are substances hazardous to health, high noise levels, power driven machinery, manual handling and work at height)
You check that bona fide sub-contractors have Employers’ and Public liability insurance that is valid throughout the period of their contract and you have procedures for reviewing their work methods
Can you agree to the statements above?
Please provide details of what you are unable to agree with
The following material facts are true;
1. No owner, director, business partner or family member involved in the business;
  • has ever had a proposal or renewal for insurance declined or cancelled, a policy voided, withdrawn or suspended, or special terms imposed by any insurer
  • has ever been convicted of, or charged (but not yet tried) with any criminal offence other than motoring offences or offences that are spent under the Rehabilitation of Offenders Act 1974
  • has ever been the subject of a winding-up order or company/individual Voluntary arrangement with creditors; or been placed into administration, administration receivership or liquidation
  • is currently insured with Zurich Insurance Company Ltd for the covers being requested.
  • 2. That all other material facts, in addition to 1. above, have been disclosed to us in a clear and accessible manner and have not been misrepresented to us.

    If you do not comply with the above and any such non- disclosure or misrepresentation by you is:

  • a) proven by us to be deliberate or reckless we may
  • i) avoid the policy which means that we will treat it as if it had never existed and refuse all claims, in which case we will not return the premium paid by you; and
  • ii) recover from you any amount we have already paid for any claims including costs or expenses we have incurred.
  • b) not deliberate or reckless, the policy may be affected in one or more of the following ways depending on what we would have done if we had known about the facts which you failed to disclose or misrepresented:
  • i) if we would not have provided you with any cover we will have the option to:
  • 1) avoid the policy which means that we will treat it as if it had never existed and repay any premium paid; and
  • 2) recover from you any amount we have already paid for any claims including costs or expenses we have incurred
  • ii) if we would have applied different terms to the cover we will have the option to treat the policy as if those different terms apply.
  • We may recover any payments made by us on claims which have already been paid to the extent that such claims would not have been payable had such additional terms been applied
  • iii) if we would have charged you a higher premium for providing the cover we will charge you the additional premium which you must pay in full.
  • Can you agree to the above statements?
    Please provide details of what you are unable to agree with

    *HIDDEN* IGNORE

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    Postcode Area
    Postcode Letters

    Public Liability

    Public Liability Limit
    £
    Turnover excluding BFSC Payments
    £
    Turnover Percentage Internal & Ground Work
    Percentage of work up to 15m
    Percentage of work up to 100m
    Turnover Internal & Ground
    £
    Turnover up to 15m
    £
    Turnover up to 100m
    £
    Turnover for BFSC
    £
    Northern Ireland Load
    £
    Payments to BFSC greater than 10% of Turnover?

    Employers Liability

    Employers Liability Limit
    £
    Internal Wage Roll up to 15m Percentage
    Internal Wage Roll up to 100m Percentage
    Internal Wage Roll
    £
    Ground Wage Roll up to 15m Percentage
    Ground Wage Roll up to 100m Percentage
    Ground Wage Roll
    £
    Up to 15m Wage Roll
    £
    Up to 100m Wage Roll
    £
    Northern Ireland Load
    £

    Own & Hired in Plant

    Own Plant, Tools and Equipment Sum Insured
    £
    Hired in Plant charges up to
    £