Insurance Insurance Insurance

[Stephen Blair]

my turnover is about that aswell mate, its all to do with time spent above certain heights. to mant folk convince themselves they are constantly working at 80 feet plus 12 hrs a day, so they pay for it. i am hardly in a harness any more and most trees around the british isles wont tickle 50 feet..

[Frank]

my turnover is about that aswell mate, its all to do with time spent above certain heights. to mant folk convince themselves they are constantly working at 80 feet plus 12 hrs a day, so they pay for it. i am hardly in a harness any more and most trees around the british isles wont tickle 50 feet..

 

well put.

[combined tree services]

im using trust for all of my insurance , incuding P/L , E/L professional indemnity motor insurance and equipment insurance , i find them really good to deal with , i spoke to them when i bought my subaru impreza and they even managed to get that on my company fleet insurance . i now will not go anywhere elts !!!!! but as already said speak to cameron yeo

[Dean O]

Same goes with me (i use trust for the same reasons), but will do a bit more shopping around next year.

dont think they are the cheapest but provide a good service

[Highland Forestry]

I'm with trust also and I cant rate them high enough... fantastic service, competitive reasonable prices and they know what they are talking about.

I have my PL, EL, PI with them.

[Mesterh]

my turnover is about that aswell mate, its all to do with time spent above certain heights. to mant folk convince themselves they are constantly working at 80 feet plus 12 hrs a day, so they pay for it. i am hardly in a harness any more and most trees around the british isles wont tickle 50 feet..

 

Tbh I dont think they asked me about any heights that we climb etc. I think I have been with them for 14 years! Well IIRC they were called something else before then.

[Rupe]

Eastwater, what stage are you at with your career? Am I right in thinking you just have a couple of NPTC's at the moment. What sort of work are you doing? What is it your hoping to insure yourself against?

[Big 'Ammer]

Eastwater, what stage are you at with your career? Am I right in thinking you just have a couple of NPTC's at the moment. What sort of work are you doing? What is it your hoping to insure yourself against?

 

Here we go again .....

[Mesterh]

I know Rupe is prob gonna have a fit when I say this:001_tongue: but. IMO if you are working in a way that could potentially cause injury or harm to a member of the public then you should have PL.

 

Now this is if you are contracted to do the work with either by a sub contract or a direct contract no matter how small the job is.

 

Not if you are working under a main contractor as an employee.

[Rupe]

I'm trying really hard to restrain myself!

 

Masterh, you are correct though, if you are contracted through (genuine) sub contract or direct contract then you do need insurance.

 

But if your are workign with someone else a sself employed then of course you don't.

 

Even so,if the work you are doign through direct contract is cuttign down small trees in a back garden then you need to think of the likelyhood of claiming on insurance for public liability.

 

Most excess' are 700-1000 pounds ish. You have to do a bit of damage to claim more than that.

 

In 17 yrs I've broken roofs,guttering, gate posts, green houses and set fire to cars (minor damage) and some hedgerows. Oh and patios, fences, walls and kids climbing frames. Not to mention phone lines and caused soem power cuts!!

 

Never have I or any company I'm working for had to claim from insurance becasue the damage casued was never more than the excess.

 

Now that I work over roads I think the insurance is worth it, but I still intend to never claim. I have insurance to get me contracts and help me compete with others, as it is important to have these days. In someones back garden, where the public is excluded, it is not necessary to have PL insurance.

 

This is, as ever, my opinion only!!