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snowfinn

Advice about insurance

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Hi,

 

To start off here's a bit of context:

 

I am currently setting myself up as a self employed arborist during my studies with an aim to mainly subcontract to larger businesses for the time being. I am starting off very small (got my CS30 and CS31 course next week and only have my own PPE to my name at the moment) but I aim to further my practical skills and attein more equipment through being self employed while I gain more theoretical knowledge during my arboriculture FdSc course at Pershore.

 

Here are my questions:

 

I am unsure about what insurances are recommended for being self employed and have found little information about this subject other than companies simply trying to sell me theirs. What sort of insurance do you have?

Which insurance provider have you gone with?

 

Thanks in advance for your help and advice,

 

Finn

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Learn about the differences between being a bona fide contractor, a labour only contractor and an employee. Broadly speaking, the last two don’t need public liability insurance.

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I have used  “Gladiator” for the past few years for self-employed Grounds maintenance/gardening including felling small trees and public liability, (CS30/CS31 holder + a few other odd tickets).

 

It will depend on your postcode - I suppose, plus young age (I’m no Spring chick) and what level of tool cover you require.

 

I’ve always found them good, offering a fair price, with good attention to detail - and I know a gardener/landscaper in the area who rates them too. 

 

For full-on arborist cover, including climbing: you may need someone or something else. But give Gladiator a whirl - for comparison’s sake at least?

Edited by Chessa
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If you are working as a groundie or even a climber you are probably classed by the HMRC as an employee, even if you call yourself a sub contractor..  You would therefore not need Public Liability insurance as you would be covered by your employers.

The HMRC used to have a handy web site where you could put in your details and it told you if you could be classed as a sub contractor.  

 

If you do your own work you should have PL insurance.  There are a few specialist brokers who insure tree work, most advertise here..

 

If you want personal injury or income protection then there are many firms who will cover you at a cost..

 

Edited by benedmonds
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1 hour ago, benedmonds said:

“If you do your own work you should have PL insurance.  There are a few specialist brokers who insure tree work, most advertise here..”

 

“If you want personal injury or income protection then there are many firms who will cover you at a cost..”

Good couple of points here, yes indeed.

1 hour ago, benedmonds said:

 

 

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Hi finn, this is a bit off topic but I think you would be better just working for someone else. You will gain loads of real arb knowledge/experience, get paid, not have to pay insurance, not need loads of equipment and learn a bit about pricing jobs etc. Once you have a couple of years experience you will be in a much better position to set up on your own.
A newbie arb with tickets but no experience is unlikely to get work as a subbie climber as you are too slow and know nowt. Work for someone get paid a pittance initially but you will gain skills knowledge and make yourself more employable and higher paid.
All the best.
Jan.

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2 hours ago, jfc said:

Hi finn, this is a bit off topic but I think you would be better just working for someone else. You will gain loads of real arb knowledge/experience, get paid, not have to pay insurance, not need loads of equipment and learn a bit about pricing jobs etc. Once you have a couple of years experience you will be in a much better position to set up on your own.
A newbie arb with tickets but no experience is unlikely to get work as a subbie climber as you are too slow and know nowt. Work for someone get paid a pittance initially but you will gain skills knowledge and make yourself more employable and higher paid.
All the best.
Jan.

That is really good advice actually. Perhaps, I’ve gotten too old, been stuck in my ways too long to remember the “starting out” phase. 

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Hi finn, this is a bit off topic but I think you would be better just working for someone else. You will gain loads of real arb knowledge/experience, get paid, not have to pay insurance, not need loads of equipment and learn a bit about pricing jobs etc. Once you have a couple of years experience you will be in a much better position to set up on your own.
A newbie arb with tickets but no experience is unlikely to get work as a subbie climber as you are too slow and know nowt. Work for someone get paid a pittance initially but you will gain skills knowledge and make yourself more employable and higher paid.
All the best.
Jan.
Hi Jan,
That was my original plan and would have loved to work hard for a single company to gain experience.
However I have soon noticed that there aren't too many people willing to hire a newbie who will be attending college 2-3 days a week starting September.
I am hoping that through subcontracting to companies one of them will offer me a more "permanent" contract in order for me to train up properly.
I'm aware that it's not the "best" path but for now can only hope that joined with my level 4 and 5 Arb course it'll work out.
Cheers,
Finn

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