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
The first and prime rule of insurance companies is:
If I can get out of paying I will.
So your friend needs to be very careful. I want insurance for new
hearing aids I have just acquired, just loss and accidental damage. When
I closely looked at the small print it stated that I was not covered if
the guarantee is still in force. Go figure, the guarantee only covers
faults. What has that to do with loss or accidental damage? As the
guarantee is for five years that would make the insurance useless!