Insurance (PL & EL)

[AA Teccie (Paul)]

Insurance related posts often crop up on forum, understandably. Hence I would like to offer a couple of observations, if I may:

 

PL = public liability (optional) and EL = employers liability (compulsory, if you employ / directly engage people...probably)

 

1. Cheapest doesn't = best (an obvious statement but a good start point.)

2. Are the quotes "like for like"? (easy to say but difficult to sometimes to compare...try)

3. Check the 'conditions / exclusions / endorsements', or whatever they choose to call them (in other words their opportunities not to 'pay-up' in event of an incident / accident) BE VERY CAREFUL HERE in relation to tree heights and removals in proximity to highways / structures.

4. Ask others opinions (in particular in the event of a claim, and THANK YOU 'ARBTALK' for an easy opportunity to do so)

 

Lastly if you are self-employed person undertaking works for others ensure you are covered under their EL insurance under your terms / contract of engagement and/OR have very good personal accident cover (see attached.)

 

Cheers all..

Paul

Paralysed tree surgeon loses claim against National Trust.docx

[roseyweb]

Well I'd like to thumbs up trust

I've made a claim and they were spot on and dealt with everything. Cameron who deals with arb is very approachable and knowlagble. I have my el pl indemnity tools, hired in plant and my digger insured with them and were very reasonable.

There also only down the road so of they ever screwed me its not a long drive to march into there office