Setting up a Garden Maintenance Business

[Dan Maynard]

15 minutes ago, Mick Dempsey said:

How can you be held liable for verbal advice?

How would they prove it?

I guess they'd stand you up in court and ask you what you said, I have PI as part of the policy so not aiming to find out.

 

As I understand the potential problem is an insurance company looking to recover damages after a payout, if they think there's liability they are likely to claim no matter if the tree/home owner is a nice person or not.

[Mick Dempsey]

1 minute ago, Dan Maynard said:

I guess they'd stand you up in court and ask you what you said, I have PI as part of the policy so not aiming to find out.

 

As I understand the potential problem is an insurance company looking to recover damages after a payout, if they think there's liability they are likely to claim no matter if the tree/home owner is a nice person or not.

It would never get to court.

 

 

[Dan Maynard]

Maybe not Mick, I'm no legal expert so maybe I'm just being duped by the insurance companies telling me I can be liable for negligence in either written or verbal advice. Don't really care, I'm covered either way.

[Puffingbilly413]

My public liability package has a clause in it that states we're covered for professional indemnity regardless but only for advice given that is not charged for. 

 

Chargeable work IE reports we have to have separate PI for.

 

Can't see why garden services would ever need that sort of PI.