CoversureMiddlesbrough

You may find that his insurance may not look to pay for your losses, you may have to claim on your insurance. However if the fire next to you was due to his negligence then you may be better going on that route. So what was the cause of the fire, was it because he left rubbish out and someone set fire to it, or was he having a controlled fire in the yard, or something like that where he was doing something wrong or was it left in a unsafe condition. So tread carefully and ask him what caused it, and do you think it was foreseeable and he should have known. if he is negligent then his insurance may payout under the liability section of his policy. Good luck

On a lot of liability policies you may find that if you cancel the policy then there "may" not be any return premium. The reason for this can be that the policy is still active and the insurer may be liable for claims on work you have already done while the policy was active, up to 3 years (sometimes longer) after the policy was lapsed or canceled. If an insurer cancels a policy because they are not prepared to take on the risk then you will usually find that the insurer will cancel the policy pro rata and you should get a return premium on the amount of policy that has not been used. It will all be in your policy wording, that's why it is always important to read your wording when you have received your policy, you can cancel a policy within 14 days of receiving the wording and schedule, if you don't agree to the terms within the policy wording and you cancel the policy within the 14 days,it will be canceled pro rata less a reasonable fee. so if you cancel after 3 days of cover you will only be charged 3 days of cover plus the reasonable fee "Some" firms, make most of their income from fees, this is why "some" firms can offer you a low cost insurance online then in the event of a cancellation or a change they will charge you a large fee. the key is to read your wording and check your cover when you receive the policy wording and schedule. An annual insurance policy is a contractual agreement for a year, if you wish to cancel that yearly policy you cancel it as per the terms of that contract, so read the terms, you will usually find your specialist insurers or your local Broker are usually a good quality insurance and they normally don't charge the earth on fees. But you must always check your policy to see if it covers you for the things you want covering for. The fee for canceling the policy with 14 days must be a reasonable one, this is because you have not yet agreed to the fees within the terms of the wording, unless it has been explained to you already i.e over the phone,fax or if it is a renewal and the terms have not changed. I hope this has helped,

If someone injures themselves on the wire or damages their clothing on the climb paint, or anything else in your yard then a claim can be made against you, regardless if they are allowed to be there or not. In the event of a claim you would want someone who knows how to fight the claim or in the worst case, payout on the claim. If you are OK in fighting a claim and paying out if you loose your case then I guess you should be fine. Is your yard attached to a building, if so you may be insured under that policy but you need to check it out with your broker. If it is just a yard and there is no insurance in place you may want to get cover to insure items such as tools, plant, stock, you will find that you will get liability cover under most combined policies. The insurer will look at the security and if the security is low and the amount you want to insure is high then it will get more difficult to insure but get a quote from a good broker and they will help you with this. regards Phil

If it is the case that he has been employing people and considering them as sub-contractors in order to pay them cash in hand, then it highlights to the insurer there is a disregard for rules and procedures. It also shows the lack of knowledge as a business owner and it would be this that would concern the insurer, with a claim it would make it unknown risk and would frighten most insurers from offering a quote. It may be difficult to get a quote because of the claim, however not impossible, there are certain underwriters that may consider the risk. Those insurers that may consider the risk would want to be assured that you have a health and safety policy in place, offer good training on the use of harnesses, lifting equipment and any other machinery. The insurer that may offer a quote would also want full details of the claim, and if the details of the claim showed that there was a disregard for rules and procedures and in this case the law, then you would have to offer proof and paperwork with the quote presentation that the customer is now complying to the rules, laws and procedures. Does the client have a site health and safety talk at the start of each day is his safety training logged. Tree surgery is a high risk occupation and especially where employees are concerned and if he has been employing casuals and calling them sub contractors then he really needs to show he has changed his ways. If he could supply you with the proof and paperwork to show a well run business with good health and safety procedures, i would try an insurer that can walk it into the Lloyds market, Thistle, CIG or even APC are some of the insurers I would approach, but the presentation needs to be good and correct I Hope this helps. Regards Phil