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  • PRO

    It's a term that always worries me because i feel it can be twisted to imply negligence on the contractors part in any event and invalidate any claim , every activity in practice today seems to require some sort of risk assessment to be in place since claims can also be staged to defraud it's a minefield but looking forward to some clarification on the subject .

  • PRO

    While you’re at it, when people ask to see my insurance before I work on their premises should I ask to see their insurance even if they are private home owners, to ensure I am covered if they are responsible for an incident and they do have insurance that covers both me and their property in such an eventuality?

    For example I break a leg due to their carelessness.

    Andy

    • PRO

      A client's lack of insurance doesen't diminish their responibilty toward you.

      I'd be sure a contractor could sue if they tripped over a wobbly paving slab, for example.

       

  • PRO

    Having just changed insurers for our all-risks Contractor Policy it’s clear that insurance companies are now breaking policies down and offering a much more granular / menu based approach.

    So, do business ‘over-insure’ rather than just go for the legal minimum cover that suits there business ?

    Should we now use the term ‘Insured’ rather than ‘Fully Insured’ - ie can you now ever be fully insured ?

  • I prefer to use the term Public Liability Insured, rather than Fully Insured. I am always amazed at how many do not have insurance.

    • PRO

      How do you know how many don’t have insurance?

      im insured but I don’t plaster it over my truck!

      • I know three contractors (one is a landscaper) who don't bother with insurance simply because I asked who their insurance is. Their response is if a stone break a window while strimming, they would foot the bill etc.

  • PRO

    Industry stats suggest 1 in 6 SMEs do not have insurance’.

    Even if that figure is out two or three fold, that’s still a few contractors taking huge risks .....

  • PRO

    I see a lot of local trades their vans having sign written "fully insured". I always think that's misleading as are they really insured for every and any risk that could happen for their business? I doubt it. I don't advertise I'm insured as it's a given really, just like having appropriate skills and tools for the job.

    Ideally, customers should do their own due dilligence and check any contractor has insurance but after seeing 100's of customers only one has ever asked to see my public liabiliy insurance certificate. Commerical customers are more likely to request certificates, etc than domestic customers. 

    As for injuring yourself or a staff member when on a customer's site. if commerical there "should be libility cover in place. For domestic customers, their home insurance cover should over pulic liability but I've never asked a customer about their cover and cant see I will! 

  • PRO

    I recently broke the glass on a Rockdoor window, with a chipping from a strimmer. It's £575 for a new door, plus fitting.

    The excess on my insurane is £500. Even though I'm insured, it makes sense for me to just pay it in cash.

    For me personally, except for it hitting someone on the head, insurance is no good for these situations.

    Craig.

This reply was deleted.

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