Someone I know has a part time gardener who 'says' he can pruned her
wisteria and rambling roses.

As it's high up, she asked if he was insured, which he said he was.
However in the event of an accident (he'll be using her ladder and
tools) would he be able to claim on her insurance or indeed how do you
make sure he is insured (just in case)

Janet
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Janet Tweedy
Dalmatian Telegraph
http://www.lancedal.demon.co.uk