insurance

[Aaron]

hello,

 

iv got a few private jobs coming up but i am abit worried about the insurance side of things, to legally be covered in worst case scenrio what cover do i need, does public liability coer me? any help appreiciated. Thanks:thumbup1:

 

aaron

[skyhuck]

Legally you need nothing (unless you have staff or help of any kind thats under your direction, in which case you need EL)

 

BUT if you cause damage or injury you are liable and could be sued for all you have and more.

[roseyweb]

I think to find the answer to your question you need to know about the different types of insurance PL is for if you Damage something someone,

 

Easiest thing to do is not to Break any thing / anyone

[Mesterh]

Well although not a legal requirement(but it bloody well should be!) I think all traders should have public liability.

[Rupe]

What is the "worst case scenario" of what you are attempting to do?

 

You dont need public liabiltiy insurance if your at risk from breaking a pane of glass or a bit of guttering. If there is a genuine chance that you might drop a tree through a house then its too soon for you to be taking on your own work.

[Aaron]

ok thanks for the quick replys, i didnt know legally how i stood on this one so thanks for your input.

 

Aaron

[Rupe]

Legally your fine, just get on with it. And Legally, the client can sue you for everypenny when it goes wrong.

[Aaron]

What is the "worst case scenario" of what you are attempting to do?

 

You dont need public liabiltiy insurance if your at risk from breaking a pane of glass or a bit of guttering. If there is a genuine chance that you might drop a tree through a house then its too soon for you to be taking on your own work.

 

Theres no 'geniune chance' of dropping through a house, i was more concered as to legal requirements. i dont plan to burn my house down, but i have insurance, accidents can and do happen.

 

Aaron

[Mesterh]

What is the "worst case scenario" of what you are attempting to do?

 

You dont need public liabiltiy insurance if your at risk from breaking a pane of glass or a bit of guttering. If there is a genuine chance that you might drop a tree through a house then its too soon for you to be taking on your own work.

 

Thing is though what if someone is standing behind that pane of glass?

 

For the cost its not worth not having it really.

[skyhuck]

What is the "worst case scenario" of what you are attempting to do?

 

You dont need public liabiltiy insurance if your at risk from breaking a pane of glass or a bit of guttering. If there is a genuine chance that you might drop a tree through a house then its too soon for you to be taking on your own work.

 

You've posted this before Rupe and while I know where your coming from, it only take some blood sucker to come onto site, throw themselves on the floor claiming they tripped over a twig and you can be in really deep water.

 

These people exist, they over take you then slam on (having removed their brake light bulbs) and claim for whiplash.