I am thinking about going self employed.

[chipper080]

Hi guy's and girl's i am thinking about going self employed and was wondering about public liability and what other's pay for there insurance and how much per month.

I have been unable to find steady work with a regular income as most places want you to have insurance and car licence so looking into both and what it will cost. thank you.

[Goaty]

Must get driving licence, it makes you reliable. Depending on others is not fun. Assume you are already in employment, if not get what job/work you can. Then you will have funding.

As for insurance depends on size and nature of job. Up to a 10 metres is cheaper than working at 40 metres off the floor. Machinery etc. If you are just doing hedges and groundie work. Budget for £300 insurance. £600 max. as a ball park figure. I run tractor and lots of implements including chipper for that.

 

As for going self employed, if you are self motivated should be good for you. Remember no sick pay(today a have a gunky ear infection not working) no holidays or other perks, but you are free to choose what you do and when.

 

In your situation I get the qualifications done you need and a fund to keep you going ready, meanwhile working for yourself in your own time. Building up your work and name.

Edited January 10, 2013 by Goaty
clarifying

[KingoftheRing]

I'm with Arborisk for public liability. They do a sole trader package. Mine's just under £400 for £10mil. That includes climbing and groundwork.

[chipper080]

Thank's goaty, i will only be doing ground work to start with till i can get enough money for the other tickets i want.

But car test first and my dream goal.

Thanks kingofthering it gives me good idea of what to look for.

[Rupe]

What is it that you think the insurance is going to be covering you for?

[chipper080]

I am after public liability to start with and maybe build up from that.

Once i know what others pay and what they are cover for i can go from there this is to give me an idea of what it will cost.

[Rupe]

Yes, and what is it that you think public liability is for?

 

Are you working as a groundie for other tree companies? Or getting you own work in?

 

What I am getting at is, do you need insurance?

[chipper080]

I am hoping to work as a groundie and it is for me no one else as i was offered work but had to have own public liability insurance.

I think the answer is yes i do need it. but personally i would say sod it and go without but to get the work i got to have it.

[Rupe]

So who's offering you this work? I dont fully understand?

 

If its another company offering you work as a groundie then you do not need insurance, and they are wrong in telling you that you do. You cannot get insurance for just yourself a as groundie working for (or with) another company.

 

Of course the insurance company will sell you a policy, if you phone me up I'll take 400 quid off you, but you wont actually be insured for anything, and as a groundie you are not taking any liablity for the work being carried out.

[chipper080]

The work is sub contact thus i think i need pl