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Replies

  • PRO
    Fleet insurace
    Public liability
    Employer
    Professional indemnity
    Sickness & injury
    Keys

    Worth having public indemnity, not that expensive. Definitely worth having van key cover has saved me a fortune recently!
    • Thanks Richard.

      We currently have:
      Van Insurance (keys included in this) and Public Liability.
      There's no requirement for employers liability for us at this stage as only myself and brother (both partners in the business) and not employees.

      It's mainly professional indemnity insurance, we don't have it however I am lead to believe that this will cover us should a client claim that we advised them on a design and they decided it wasn't to their taste? Or along those lines, is that right?
      • PRO
        I think it's more to cover any design or build faults rather than aesthetic.

        Covers legal fees and cost of putting right the works.

        I am sure someone on here will know the exact details!
        • Yeah that's what I meant Richard sorry!

          Do you mind me asking who provides your PI?
          • PRO
            My dad!!

            Calcluth & Sangster in Cardonald

            They are brokers so I have 1 x payment a month for all my insurances rather a load of separate ones.
            • That's handy Richard!

              When I have been looking on the insurance sites it asks for our profession but doesn't have landscaper, fence contractor, gardener or anything of that LIKE listed
              • PRO

                Have you tried Simplybusiness.co.uk - one of the site's advertisers (scroll to bottom of LJN Home page) ?

                There is feedback on here regarding them.....

                • Yes but we already have PLI in place and they don't provide PI as a stand alone which is a pain really.
                  • PRO
                    Unless they've changed their strategy, I think they do.......
  • PRO
    Would suggest that's more to do with the options (..& probably definition of your trade) you've given than anything else.

    Suggest you call & check.....
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