Rupe
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Everything posted by Rupe
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I remember you mentioning that! Yes, on trining day its multi pile up on that corner! Have you tried it? If you told me about it then forgive me for not remembering much!!
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Yep. Was planning on going tomorrow but might actually work instead!
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Me too. Slipped disc the year after I started wakeboarding! Still go now and then but make do with a cable tow not a boat.
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And not to lanyard in to remaining feeble bit either!
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Not a sudden rush of sap this lat in the year. This tree has been in a bad way for some time, poor fork structure, evidence of a minor branch growing inside the fork, plus storm damage to two major limbs above the break. Why it failed on that day at that time, I don't know. More likely temperature change on top of the fact that its in full leaf (heavy) it was going to go soon but went on the day it got really hot. All Speculation.
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View from the driveway. The customer had already cut up the fallen bit to clear the drive. Luckily I could rope into the remaining beech behind and work from there. Got some video but probably not best to show it! I didn't lanyard in to the remaining stem at all and just boshed it all down ASAP. The final cuts above the break point were 90% rotten.
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Went to look at this beech last week. It failed the week before. The main stem has broken off leaving what would have been described as a small side stem, but is now a reasonably large tree attached to a rotten stump! Job was to take down the remaining upright bit and lateral branch. I think if had seen the tree standing I probably would have climbed it, but it failed midday with hardly any wind.
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This sums it up at the moment.........
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Sorry for the slight derail !! Good luck.
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Everything you are describing here is freelancing/self employed and not sub contracting.
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As for the franks bit, bit, sorry I thought I was quoting you, maybe I quoted something you quoted. I dunno, got confused somewhere along the line.
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Yes, I see your point, but while he is working for the other five firms his insurance policy should have no place on those jobs. i.e. it might as well no texist as far as those employers are concerned.
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Yes its free country, but if you charge 140 for every set of jobs that takes one day then you are an employee not a sub contractor. A self employed employee, but still not a subcontractor. You DO need to complete all works on your own to a pre arranged "contract" in order to be a sub contractor. That is what a sub contractor is.
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Exactly, it that ambiguity that is the problem. I spoke to an insuracne company about my self employed groundie tha talso climbs for me. You may have seen him doing quite well in the comp last weekend. (Good to meet you by the way, my long lost twin brother!!) Anyway they said my EL covers him and he does not need any insurance. Fine. They went on to say that if a person wants to call themselves a BFSC then they will happilly take the money off them for a policy that they don't need. So the ambiguity allows the insurance companies to take your money AND not pay out! Its criminal. Unfortuantly we all want to do the right thing and we think that we must take responsibility for out actions. This is not necessarilly the case. I'm not advocatign NO insurance, but ONE policy per job site please!!!!!!
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No NO NO No NO NO!!!!!!!!!!!!!!!!!!! You are on the wrong track completly. Big 'ammer and I are not quite on the same page either. Never set up as a Bona fide subcontractor unless that is what you are, i.e you employ a groundsman and you quote for jobs for ther companies and own a truck chipper and everything else required. Take responsibilities away from your boss and help him in every way you can NO!!!!!!!!!!!!!!!!!!!!!! If your a freelancer you don't have a boss. Don't take any responsibilities away from the bloke whos trying to make a buck out of you without payign holiday pay/ sick pay etc!!!!!!!!! Have you not read any of this thread! As a freelancer look after yourself, don't have accidents or your carrer will be short!
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Franks bit....... To cut a long story short, he called on his PL provider (Trust) and told them what had happened. He used the term that he only uses Bonafide subcontractors and they informed him that he didn't have EL cover... and that he needed to speak to my insurer. This is the problem. He should not have used the term BFSC, as this was incorrect, but the insurance company used this to get out of paying. You were an employee that day, and you should have been covered, no matter what decisions you made.
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Originally Posted by Big 'Ammer If he had sent you to do the work without him supervising, you would be a bona-fide sub contractor. No this is wrong but it is where some confusion arises. You don't become a bona fie sub contractor just cos you get sent off to do a job without the boss there! If you get sent with his groundies for example then its is still his job! If he has seen the job (when he quoted) and you ahve not, you are beign sent under instruction, you are NOT a BFSC. His insurance still covers it. BFSC will have visited the jon before hand, given a written quote to the main contractor and then carry out the work usign thier own employees and kit in their own time.
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Yes you should have it, but that does not mean you will have it. Its up to the main contractor to check that you have, and have PL themselves just in case.
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Agreed, but if you earn 20K a year freelancing and 20K a year doing your own jobs, then base you insurance on 20K a year turnover not 40! .
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Yes, just estimate it for your first year. Don't worry about accuracy. They have bands like 30-50K 50-80K 80-100K or whatever so just guess and whatever band you end up in will be the mark they use for now. It will be adjusted in the second year, so if you underestimate you will get charged a bit more next year when they get the actual figures and vice versa. The main thing is not to put down too much for climbing. If you estimate trunover of 75K per year doing tree work, don't go and put 75K a year down as climbing!! If one of you is on the ground that 50% climbing. The climber helps clear up at the end of the day so that 40% climbing. Plus any work you do at ground level, usually lots more than you think bring the actual time climbing down to maybe 25% or turnover?? Try and keep a record throughout the year of what each job consisted of, climbing, ground work etc so that next year you can give them more accurate figures. Don't give it too much concern.
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Good for you. Another good exampel of why it is unecessary...... Frank, when you work for other companies do you sign thier RA? Or at least read it and agree with it etc. If yes, then you don't need another insurance policy. If you refuse to have anything to do with their RA and write your own everyday and make them all sign yours then you would need to be insured!!
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Yep, thats all about right. EL covers freelancers and PL covers sub contractors if that included in your policy but they shoould still have their own. You bring up a good point, that if (and this includes you then) the main contractor does not have EL and only uses hired in help then that help should have their own PL. As long as those working for you know that then no worries. I hope you pay extra to cover their additional outlay.
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I think I'm with you now. The answer to the original question in still no.
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In this instacne it might be best to avoid the word subbies as its confusing but I think I know what you mean. Basically all the "subbies" insurance does is make insurance companies more profit while we all do the hard work. Thats not on, although my premiums have come down each year!
