pl insurance trade specific??

[gingertreeninja]

what do you guys think on this? i lost out on a large ash pollard dismantle on fri at my local church. to get the job you had to put in a price and show all relevant insurance docs. when i didn't get it i just thought fair enough somebody has beat me on price. my uncle is a church elder so i asked who had got it and was amazed to find out it was a builder!! the builder has pl insurance but only take the odd tree down with his digger and has no tickets. the church thought that as long as you have pl it covers you for any work your business undertakes. surley this aint the case!!

[Gareth Dalzell]

what do you guys think on this? i lost out on a large ash pollard dismantle on fri at my local church. to get the job you had to put in a price and show all relevant insurance docs. when i didn't get it i just thought fair enough somebody has beat me on price. my uncle is a church elder so i asked who had got it and was amazed to find out it was a builder!! the builder has pl insurance but only take the odd tree down with his digger and has no tickets. the church thought that as long as you have pl it covers you for any work your business undertakes. surley this aint the case!!

 

Sounds a bit suspect. I suppose he could have it included in his policy but not likely. They should have checked that it was included in the schedule. Following on from their logic, why would you have specialist insurance in the first place? I'm sure you couldn't believe what you were hearing.

[AA Teccie (Paul)]

what do you guys think on this? i lost out on a large ash pollard dismantle on fri at my local church. to get the job you had to put in a price and show all relevant insurance docs. when i didn't get it i just thought fair enough somebody has beat me on price. my uncle is a church elder so i asked who had got it and was amazed to find out it was a builder!! the builder has pl insurance but only take the odd tree down with his digger and has no tickets. the church thought that as long as you have pl it covers you for any work your business undertakes. surley this aint the case!!

 

My view would be that the appointing client, even at 'Mrs Miggins' level (and I would suggest the church is probably somewhere above that) needs to satisfy themselves, as much as they reasonably can, that the contractor they've selected is 'up to the job' and has appropriate insurances.

 

Obviously builders don't normally do treework (or worryingly do they?!) so the client would presumably ask the question "can you?", if the answer is 'yes', perhaps ask "how?" and if convinced then they can probably reasonably assume the contractors PL insurance covers those operations.

 

Re-tickets, they've probably got diggers, mini-diggers, larger diggers, dump truck, cement mixer..."we've go the lot luv!"

 

All a bit 'risque' IMO tho!

 

Paul

[gingertreeninja]

cheers guys thought it was a bit dodgy! just heard this morning that he tried to start the job yesterday but had to stop as he will need to get a CRANE in to finish the job!! he only has 200 quid on the job so unless he has a mate with a crane he has shafted himself. the funny thing is that there is a massive beech beside the tree and if he any idea what he was doing he could have rigged the lot of it and been finished for about 2 oclock. oh well maybe this will teach him to leave the tree work for the tree guys

[AA Teccie (Paul)]

cheers guys thought it was a bit dodgy! just heard this morning that he tried to start the job yesterday but had to stop as he will need to get a CRANE in to finish the job!! he only has 200 quid on the job so unless he has a mate with a crane he has shafted himself. the funny thing is that there is a massive beech beside the tree and if he any idea what he was doing he could have rigged the lot of it and been finished for about 2 oclock. oh well maybe this will teach him to leave the tree work for the tree guys

 

 

Sounds like he needs one of your business cards casually slipping into his hand.

 

Live n learn eh?!...oh yeah "n each to their own"...hope he realises that now!

[Gareth Dalzell]

cheers guys thought it was a bit dodgy! just heard this morning that he tried to start the job yesterday but had to stop as he will need to get a CRANE in to finish the job!! he only has 200 quid on the job so unless he has a mate with a crane he has shafted himself. the funny thing is that there is a massive beech beside the tree and if he any idea what he was doing he could have rigged the lot of it and been finished for about 2 oclock. oh well maybe this will teach him to leave the tree work for the tree guys

 

Devine intervention perhaps:thumbup:

[gingertreeninja]

good idea teccie but if he is putting that little money on jobs i don't think he could afford me and yes Gareth maybe somebody up there was not happy with him

[Mark Bolam]

All the PL insurance I've had for various enterprises in the past has excluded me from doing any work on a tree in excess of 6m in height.

 

Was the tree under 6m?

 

Not, I suspect, that it would have made much difference....

[gingertreeninja]

it was about 10-12 meters mark! as you say i dont think that would stop him