Why bother?

[hedge mong]

38 minutes ago, maybelateron said:

Until it goes wrong. Customer walks out of back door unexpectedly, was only coming to offer you a brew. Customer gets injured badly by branch/timber being dropped just as they appeared. Customer ends up with head injury, and ultimately some brain damage, resulting in her needing ongoing care. She is a widow, and her son is a barrister. Good luck with that!

Waiver is a legal document 

[peds]

1 hour ago, maybelateron said:

Or for my alternative view:

Hedge mong is a very experienced fly fisher and a lot of us are hungry fish.

I reckon most people kind of know this, but are happy to indulge in the ridiculousness of the talking points for a bit of chatter.

[daltontrees]

2 hours ago, hedge mong said:

Waiver is a legal document 

Unfair Contract Terms Act 1977

[hedge mong]

A waiver for a job condition is not unfair so long as negligence is performed by the customer...

Like walking out under a falling branch without looking..

 

So yes a waiver is legal 

[daltontrees]

I don't agree, contract terms are unfair if the customer cannot know the risks beforehand. The sort of thing you are trying to contract out of, you don't need to because they are contributory negligence by the customer, because they should know. A waiver for you breakign tehir house in two, though?

If anyone in any walk of life, any tradesman, any professional asked me to sign something to say that they might kill me and if they do my estate can't sue them can go and get stuffed. What sort of signals does that send out about caring about doing things right?

I woudl NOT use a contractor that had no insurance. I would not recommend anyone that didn't and I would not appoint (as a consultant) anyone that didn't. Insurance mught be a bit of a con sometimes but it is generally a necessary evil and I just can't imagine anyone wanting to position their business as not needing it.

If you don't claim, your premia are low and it's a trivial part of annual outgoings. Tender for any public or quasi-public or corporate work and you won't get past the shortlisting stage without insurance.

Each to their own.

[hedge mong]

Yep,each to their own.

Payment to insurance companies is a BIG scam and getting worse.

Perhaps when you next price a job offer a 30 %  reduction on the basis of no insurance and no comeback....

You might be surprised how much work you still get.

As for council contract bashing and utilities trimming leave it for the stupid...

[Mark Bolam]

But you’re the intelligent one pursuing bargain basement work for lowballing shitkickers?

 

Definitely each to their own.

 

I’ll stay as I am thanks.

 

[hedge mong]

19 minutes ago, Mark Bolam said:

But you’re the intelligent one pursuing bargain basement work for lowballing shitkickers?

 

Definitely each to their own.

 

I’ll stay as I am thanks.

 

Fair enough but if you want to continue getting a new back hole ripped daily by the insurance companies carry on that way, they are winning hand over saw all the time .

The industry can regect this ,survive and move forward to much cheaper insurance and other things which eniveteably will sustain employment far beyond what is on the horizon at the moment.

 

[Mark Bolam]

Your maths is what doesn’t make sense to me.

 

You’re 30% cheaper because you aren’t insured.

 

I’m starting a £3k job on Monday that will take 3 days.

You would presumably charge about £2k?

That’s a grand you could have put towards insurance.

Mine is about £2k annually.

 

So 2 jobs like that you could be insured and legit.

 

(You couldn’t do the job anyway, access is through a school, and surprisingly enough they asked to see insurance documentation, the bastards).

[daltontrees]

25 minutes ago, Mark Bolam said:

Your maths is what doesn’t make sense to me.

 

You’re 30% cheaper because you aren’t insured.

 

I’m starting a £3k job on Monday that will take 3 days.

You would presumably charge about £2k?

That’s a grand you could have put towards insurance.

Mine is about £2k annually.

 

So 2 jobs like that you could be insured and legit.

 

(You couldn’t do the job anyway, access is through a school, and surprisingly enough they asked to see insurance documentation, the bastards).

Touchee!