rouge traders

[Tom D]

I was expecting to see some rosy red men powdering their cheeks....

 

Did you mean "rogue" traders???

 

 

Sorry to be pedantic:001_smile:

[Paul Jenks]

The insuring of us, as an industry, is a small part of a very, very large machine. There are few underwriters willing to insure treework and all brokers have to go to these few.

Going back to the statistics used for assessing risk. Given the type of person likely to work as an insurance underwriter, (and this is not to demean that humble profession or the good workers in financial services), how much time do you think they are going to devote to really finding out whether a business has a culture of health and safety as opposed to a policy statement. (Your broker may do this, the underwriters cover themselves by using available statistics so that if the poo hits the fan and they have to pay out they have objective data with which to defend themselves.)

They look at turnover, number of employees, type of work engaged in, number of incidents over a specified period, any outstanding exposure to litigation etc, etc and, importantly, industry statistics produced by the only body set up to produce them, HSE. This is put into a formula and ta-da, a number falls out and this is your premium.

Your point about whether the video stars have insurance is probably moot.

[treequip]

The insuring of us, as an industry, is a small part of a very, very large machine. There are few underwriters willing to insure treework and all brokers have to go to these few.

Going back to the statistics used for assessing risk. Given the type of person likely to work as an insurance underwriter, (and this is not to demean that humble profession or the good workers in financial services), how much time do you think they are going to devote to really finding out whether a business has a culture of health and safety as opposed to a policy statement. (Your broker may do this, the underwriters cover themselves by using available statistics so that if the poo hits the fan and they have to pay out they have objective data with which to defend themselves.)

They look at turnover, number of employees, type of work engaged in, number of incidents over a specified period, any outstanding exposure to litigation etc, etc and, importantly, industry statistics produced by the only body set up to produce them, HSE. This is put into a formula and ta-da, a number falls out and this is your premium.

Your point about whether the video stars have insurance is probably moot.

 

Moot to what? Before you started exploring the depths of underwriters, risk mechanics and spread sheets, my point was in response to this

 

Jackwagons Inc. Really dangerous situations, and people in this industry wonder why insurance is so expensive.

easy-lift guy

 

Made by someone with little or no knowledge of the UK tree care industry and it’s insurers.

 

Once again, the person in the vid isn’t an influence on the UK insurance industry, he doesn’t have any and won’t appear in any statistics which may or may not be used by whoever for whatever.

[Graham S]

Although they are on rougue traders they still get pleanty of work , not every body sees these programmes so they dont know , these guys also do drive ways , fencing , garden maintenance , building work , i know because they live in the same town as me .

[skyhuck]

I was expecting to see some rosy red men powdering their cheeks....

 

 

Yet you still opened the thread

[s.varty]

Although they are on rougue traders they still get pleanty of work , not every body sees these programmes so they dont know , these guys also do drive ways , fencing , garden maintenance , building work , i know because they live in the same town as me .

 

They have plenty of work because the likes of us pay tax, we have to pay to get rid of our muck (skips) they dump theres in a farmers field. As for driveways they can come in at half price because they will not dig deep enough for a good base= less time,materials, yeah the job looks a goodun when its done .Try and explain to a potential customer why you are twice the price of the nice man in the transit and it will just fall on deaf ears.