New to this game and need liabilities insurance

[kevinjohnsonmbe]

Sounds like YOU'RE in a muddle old chap... You ABSOLUTELY CAN have self employed, sub contracting ground staff - in the appropriate circumstances. This started with a fairly general question which generated a fairly general spread of responses. If you want to apply your interpretation to a specific situation, of course you can make your rationale fit.

[kevinjohnsonmbe]

Plus Jake could end up laying out another 300 squid for employees liability. Best bet, speak to the broker...

[Quercus-90]

Howdie,

I'm new to this game and want to get legit and insured for public liability.

 

I'd be glad of any advice as to what to ask for and how much I should be paying. I've just spoken with Arbrisk who are going to email me a quote... the fellow guessed at between 3 and 4 hundred quid.

 

I expect to be doing small pruning and dismantling jobs as a secondary income from my work as a musician. I've done the CS 30,31,32,38 and 39 and first aid training. And have been picking up a little bit of experience doing work for other people over the last year. I'm guessing at a turnover of well under £10 k in this first year.

 

cheers

 

Jake:001_smile:

 

 

If I was you, I would be seriously considering if its worth while.

What could happen? Broken fence panel? Window maybe at worst?

You have invested allot of money in your certs for such a low return, surely any further expense will almost make this venture financially un viable?

 

 

 

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[Jake the Fiddler]

seems like an interesting area this.... there's obviously no point in having insurance that's not valid... it's no use to anyone but the insurance companies profits...

loads of smaller arboriculture businesses clearly do work without having a fully certificated climber present yet if that does invalidate the insurance what's the point?...

I guess I'm going to have to ask the insurer the blatent question.... Am I covered if I'm working without a qualified climber as a groundie?... I wonder how many small scale tree businesses actually do have a second climber on the ground?.... not many of the ones I've seen...

[Rupe]

If I was you, I would be seriously considering if its worth while.

What could happen? Broken fence panel? Window maybe at worst?

You have invested allot of money in your certs for such a low return, surely any further expense will almost make this venture financially un viable?

 

 

 

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Yes that's kind of what I was getting at. Decide what you actually need cover for. PL is for liability not for accidental damage although most policies do include that to some degree but would be unlikely to pay out for small damages and most have high excesses to prevent any minor claims.

[Jake the Fiddler]

sorry chaps... I replied without having seen some of the other responses above...(got interupted with having to do kiddie bedtime)...

I'll make sure I understand the above before post back... your right, I am in a muddle...

guess I just want to make sure that I'm doing my best to trade responsibly whilst keeping it small scale.

many thanks

[Rupe]

Plus Jake could end up laying out another 300 squid for employees liability. Best bet, speak to the broker...

 

Yes, I'm not suggesting he should get EL as well. Just trying to explain that groundies brought in by him would be considered as employees regardless of there tax status.

[Rupe]

seems like an interesting area this.... there's obviously no point in having insurance that's not valid... it's no use to anyone but the insurance companies profits...

loads of smaller arboriculture businesses clearly do work without having a fully certificated climber present yet if that does invalidate the insurance what's the point?...

I guess I'm going to have to ask the insurer the blatent question.... Am I covered if I'm working without a qualified climber as a groundie?... I wonder how many small scale tree businesses actually do have a second climber on the ground?.... not many of the ones I've seen...

 

Can I just be a pain and ask again, what is it you want to be covered for?

 

A second climber is for your safety not for clients or for the general public. So that factor on its own does not effect the policy if your claiming for damage to property.

[Mark Bolam]

Remember also that having PL is not legally required, but having EL is (if you have anyone working for you, self employed or not).

[Jake the Fiddler]

Hi Rupe...

think it's me that's the pain...I still haven't properly understood the responses above, but just to reply to your last post. I think that I just want to be adequately covered with liability insurance. Insurance for accidental damage would be a bonus, but given the low amount of work/turnover I'm aiming at, I just want to make sure I'm not putting clients in an unreasonable position of risk by doing a job for them. I guess I'd also like to know whether It's legal for me to pay someone unqualified to work as a groundie and how that fits with the whole liability insurance bit.

Re the bona fide bit... when I spoke to arbrisk they used those terms to describe self employed individuals working for me either with there own PL(bona fide) or someone without(non bona fide)

I'm very grateful for your time in responding to this.

cheers

Jake