Yep fully see where your coming from and I don't know the answers, which is what this forum is useful for, as there will always be someone with more experience with me.
As for subbing out tree work that's what the insurance company said I needed contractors liability for so hopefully I was covered at the time despite not doing work myself.
As for the insured climber, I think I'll leave that as a grey area but make sure my arse is covered by ensuring that my insurance fully covers me!!
As for the other points you've raised they are very valid.
The satelite dish being an interesting one as I do pass on maintenace work across to my other company that I rarely have any physical involvement with, most of the time that company invoices, but occassionally I've put it throught the grounds company but I suppose I know they are both insured so shouldn't have repercussions.
I had a health and safety audit of one of my clients (mitie) and it's scary what they reckon you are responsible for. He was suggesting that I am responsible for checking that the garage I use for vehicle servicing should be audited by my company to check they are competent, he also said that as I was a company I had to be careful with what work was carried out at home as I could be in position where I am liable contractors doing their job that I know nothing about. When I asked how I could deal with that he suggested employing someone that knew about that job - It really is a minefield and I won't be doing things 100percent right. I can only show as much diligence as I can and hope for the best.
From your last example I would be very surprised if your insurance company managed to get out of a 3rd party claim, rightly or wrongly thats another debate, a bit like the payouts because of points on a licence,dd etc.
And that is where from my point of view the contractors liabilty is so important as it should give me 'a cushion' that I have subbed work out. If not well I'll need a JCB to dig me out the sticky stuff!
R
P.S I've got a few jobs at a site in Weston in about 2 weeks so I'll be stopping at my parents in Stonehouse if you've got any interesting rigging jobs that I can come and watch/help with.
PPS I've got my own insurance.............lol