Low Cost Personal Accident Insurance Cover from Allied Insurance Services


Have you considered what would happen to your business if you suffer an injury from an accident and are unable to work? Or worse still, are left permanently and totally disabled?


Could you cope financially if you suffered an accident and were unable to work? Could you afford to pay your household bills? Would your business survive? Our Personal Accident insurance policy provides financial reassurance for you and your family.


Obtain a quotation today by visiting our website www.polished-insurance.co.uk or if you would like to speak with one of our experienced and knowledgeable members of staff and provided all your details to them, then please telephone 0844 815 6211 and we will then provide a full and detailed quotation for you in writing.


EXAMPLE – A self-employed window cleaner fractures his ankle following a fall from a ladder. He is unable to work for 8 weeks. His Personal Accident policy pays him £300 a week, less his 2 week excess period. He is paid £300 per week for the final 6 weeks of disablement, a total of £1,800.


Cover Accidental Death Permanent Total Disablement Temporary Total Disablement Platinum £20,000 £20,000


£400 per week 2 week excess Up to 104 weeks


Gold £15,000 £15,000


£300 per week 2 week excess Up to 104 weeks


Silver £10,000 £10,000


£200 per week 2 week excess Up to 104 weeks


24 Hour Worldwide Cover Age Limit without prior referral 16-60. Full Schedule of Benefits provided at quote stage. Please provide full details of any accident in the last three years resulting in time off work.


Personal Accident Premiums start at £100 per annum plus Insurance Premium Tax We also have available Accident and Illness policies for individuals and Group Accident and Illness Policies for small businesses covering all or key staff members. So if you are a Professional Cleaning Contractor when it comes to selecting your insurance, speak to the specialists – Allied Insurance Services Ltd or to discuss any of our insurance facilities exclusively for the cleaning industry:


• Employers and Public Liability; • Own Office Buildings and Contents; • Motor Fleet; • Own and Hired in Tools and Equipment; • Commercial Vehicles. • Personal and Group Accident Insurance.


Musculoskeletal Disorders (MSDs)


Musculoskeletal disorders (muscular aches, pains and discomfort) are the most common work-related ill health/ injury reported by cleaners.


Managing the risks effectively can significantly reduce the risk of work-related MSDs to those employed within this industry.


What the law says The Health and Safety at Work etc. Act 1974 (HSW Act) requires employers to ensure, so far as is reasonably practicable, the health, safety and welfare of their employees and to ensure that those affected by their activities are not exposed to risk. Health and safety law also applies to self- employed persons who create a risk for others.


What are musculoskeletal disorders? The term musculoskeletal disorder (MSD) describes a variety of strain, sprain, and overuse problems affecting the body’s muscles, joints and nerves. The back, neck, shoulders and upper limbs are particularly at risk. Problems include everything from backache and slipped discs, to upper limb disorders, tenosynovitis, pain, numbness, swelling and tingling in the hands and wrists. These conditions are often caused or made worse by work activities. For more about this go to the HSE website at: www.hse.gov.uk/cleaning/backpain.htm


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