Arb insurance

[Treestumptom]

Hey guys I thought I’d just ask about professional insurance. I am thinking of getting some as a free lance climber, is there any good insurance company’s you’d recommend? Also any advice with it would be appreciated!

 

Cheers

[AHPP]

Public liability:

The usual setup* is that Tree Company Ltd is the bona fide contractor to Mrs Miggins the customer and Tom the freelance climber is a labour only subcontractor to Tree Company Ltd. Tree Company Ltd are liable for their own negligence (like their chipper leaking oil onto the driveway) and are also vicariously liable for Tom's negligence (like Tom dropping a branch through a greenhouse).
*Tom might have an unusual setup where he's a bona fide subcontractor to Tree Company Ltd but would probably know if that was the case.

 

Employers' liability:

Unless you're taking a groundsman, don't worry about it.

 

Professional indemnity:

Don't know. Never thought about it.

[Big J]

I've been with Lycetts for years and years and really like them. If I have a query, I have my own account manager who I can reach on the phone in seconds. They are reasonable (though not the cheapest) and very comprehensive. Have my work vehicle with them too.

[mawsonarb]

Im with Trust insurance... Ive been with them a year.. The guy knew his stuff on the phone... You could tell he knew the industry well... There not cheap but you get TPO cover with them as standard which is good as everyone has a bad day once in a lifetime! Ive not claimed for any reason touch wood! But know people that have and have been pleased with how things were handled.. Dont go with some wanky under writer they will be cheep but what in life is cheep and effective?

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[Treestumptom]

Thanks guys that’s really helpful and how about personal accident insurance?

[mawsonarb]

Thanks guys that’s really helpful and how about personal accident insurance?

I dont have it as yet... Toyed with it i just keep a bloody good buffer in the bank incase something happens..