Contractors insurance ?

[treequip]

Short answers please, As contractors what insurances do you have to have in place to tender for works in the UK. BY LAW. I have always held the full Monty, but have recently found out that some of my LA competitors have none. !!!!! is this a case of underhanded dealings or have my own values over the years been misplaced.

 

As others have said.

 

Aside from road risks the only insurance you must have by law is ELCI Employers Liability Compulsory Insurance.

 

In the unlikely event that you don't have employees or anyone that helps you (paid or not) you don't need ELCI

[daltontrees]

You don't need any insurance to tender, you need it to do work. By lkaw you need employers liability. And if you have vehicles by law you need vehicle insurance. You do not need public liability, contractor's or professional indemnity.

Any LA that doesn't insist on seeing EL proof is both unusual and foolish, bordering on negligent. Any LA not requiring PI is I think foolish, since if the contractor screws up and people are killed (compensation claims in the £millions) and the contractor turns out to be worth tuppence ha'penny, the claimants could turn to the LA for compensation.

I've never worked for a Council or Housing Association that didn't insist on seeing the documents. The other side of that is that I couldn't comfortably do big tree work without insurance in place, I don't want to lose my house if I get sued following some freak accident.

[penfold]

Jl no need to shout fella.