On Fri, 30 Jul 2010 19:10:08 +0100, Janet Tweedy
wrote:

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

As for his insurance, if he's a "professional" type he should have
public liability insurance as well as personal insurance (public
liability covering an accident which results in damage to the customer
or the customer's property). Ask to see his certificate. Simples.

But complication - if he is using the customer's ladder, the customer
could be liable if he falls off it. If he's a proper gardening
contractor type he should have his own ladders and should use them.

So ask to see his insurance certificate and tell him to use his own
ladder.

Another thing. If he's going to take away and dispose of the prunings,
ask to see his waste carrier registration certificate. If he doesn't
have one and fly-tips the prunings, then the customer, not he, will
be prosecuted if the source is discovered by the authorities.

Jake

http://www.rivendell.org.uk coming soon