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question about insurance
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 -- Janet Tweedy Dalmatian Telegraph http://www.lancedal.demon.co.uk |
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question about insurance
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 |
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question about insurance
"Jake" wrote in message ... 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. Wrong. Both "could" be prosecuted in accordance with the control of pollution act 19??, but in practice, the householder could easily claim ignorance[1], or that he/she was told by the gardener that he was licenced etc. In the hugely unlikely event of him being caught in the act of fly tipping the unlicensed carrier could be fined{2}and have his vehicle confiscated. Steve (former registered waste carrier.) [1] Yes, I know ignorance is no defence in law, but in the real world can you see the waste regulation authority taking an elderly lady to court because someone tipped her cuttings? Me neither. ( Don't tell me it's happened unless you provide a link). [2] The fine was £2000 last I heard, almost certainly much more now. |
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question about insurance
On Sat, 31 Jul 2010 09:19:46 +0100, "shazzbat"
wrote: "Jake" wrote in message .. . 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. Wrong. Both "could" be prosecuted in accordance with the control of pollution act 19??, but in practice, the householder could easily claim ignorance[1], or that he/she was told by the gardener that he was licenced etc. In the hugely unlikely event of him being caught in the act of fly tipping the unlicensed carrier could be fined{2}and have his vehicle confiscated. Steve (former registered waste carrier.) [1] Yes, I know ignorance is no defence in law, but in the real world can you see the waste regulation authority taking an elderly lady to court because someone tipped her cuttings? Me neither. ( Don't tell me it's happened unless you provide a link). [2] The fine was £2000 last I heard, almost certainly much more now. Granted Steve, you are right but the dumper is very rarely caught and here in South Wales (where the authorities routinely "enforce" and "ignorance" is absolubtely no defence) they look for the extra rubbish that the "innocent" person has asked the dumper to get rid of at the same time. I can remember one case of a council chap finding a carrier bag in the middle of some prunings and almost gleefully producing an addressed envelope. I don't know the details but he told me later that the culprit had admitted having their hedge lopped by someone and had forked out over £1,000 as a result. The majority of cases don't get to court as the penalties increase (potentially unlimited in the higher courts) so people pay up. I was personally involved in a case of dumping on private ground where the lady who had paid someone to remove her waste was given the option of paying my client's costs for the proper removal and disposal of the dumped waste or being taken to court. She took the former option but still paid well over £1,500 at the end of the process. Can't speak for the world but the officers I know around here say these days it's rarely pensioners - they're now so alert to all the dangers of doorstep trading. The usual "culprits" are in their 30s/40s and should know better. And in the real world, when wheelie bins are micro-chipped and pensioners and disabled people are issued with penalty notices by councils for putting their rubbish out too early (because the person who helped them couldn't come round later), do you really think that the jobsworths will care one hoot about how old someone is? If they can get a successful prosecution they'll go for it. They advertise it as a "zero tolerance approach to crime" and so get public support. Cheers Jake http://www.rivendell.org.uk coming soon |
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question about insurance
On Jul 31, 3:40*pm, Jake wrote:
On Sat, 31 Jul 2010 09:19:46 +0100, "shazzbat" wrote: "Jake" wrote in message .. . 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. Wrong. Both "could" be prosecuted in accordance with the control of pollution act 19??, but in practice, the householder could easily claim ignorance[1], or that he/she was told by the gardener that he was licenced etc. In the hugely unlikely event of him being caught in the act of fly tipping the unlicensed carrier could be fined{2}and have his vehicle confiscated. Steve (former registered waste carrier.) [1] Yes, I know ignorance is no defence in law, but in the real world can you see the waste regulation authority taking an elderly lady to court because someone tipped her cuttings? Me neither. ( Don't tell me it's happened unless you provide a link). [2] The fine was £2000 last I heard, almost certainly much more now. Granted Steve, you are right but the dumper is very rarely caught and here in South Wales (where the authorities routinely "enforce" and "ignorance" is absolubtely no defence) they look for the extra rubbish that the "innocent" person has asked the dumper to get rid of at the same time. I can remember one case of a council chap finding a carrier bag in the middle of some prunings and almost gleefully producing an addressed envelope. Dream on! Have you never cleared up after a hedge trim? If you had done any decent amount of it, you'll remember that along with the trimmings there will be bits of paper, flyers, parking tickets, newspapers, sweet wrappings, shopping lists, letters, receipts and yes, even stray stamped addressed envelops, therefore, "producing an addressed envelops" provides no actual evidence and so producing it "gleefully" is the act of a bit of an ignoramus. I don't know the details but he told me later that the culprit had admitted having their hedge lopped by someone and had forked out over £1,000 as a result. See there the point is "had admitted" ... |
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question about insurance
On Sun, 1 Aug 2010 01:09:54 -0700 (PDT), aquachimp
wrote: Granted Steve, you are right but the dumper is very rarely caught and here in South Wales (where the authorities routinely "enforce" and "ignorance" is absolubtely no defence) they look for the extra rubbish that the "innocent" person has asked the dumper to get rid of at the same time. I can remember one case of a council chap finding a carrier bag in the middle of some prunings and almost gleefully producing an addressed envelope. Dream on! Have you never cleared up after a hedge trim? If you had done any decent amount of it, you'll remember that along with the trimmings there will be bits of paper, flyers, parking tickets, newspapers, sweet wrappings, shopping lists, letters, receipts and yes, even stray stamped addressed envelops, therefore, "producing an addressed envelops" provides no actual evidence and so producing it "gleefully" is the act of a bit of an ignoramus. I don't know the details but he told me later that the culprit had admitted having their hedge lopped by someone and had forked out over £1,000 as a result. See there the point is "had admitted" ... Yep, aquachimp. I've just finished chopping down a 3 metre x 6 metre tall hedge (my own) and I found lots of stuff caught up in it. The case I referred to was one where (luckily for my client) the fly-tipping was on the council's side of the boundary. when the Jobsworths find something with an address on it, they go there and it's usually pretty obvious that a hedge (usually leylandii!!!!!) has or has not been cut recently. So presumably they do "sort" the associated rubbish. In this case there were a lot of black bags of junk mixed in with the green stuff. In one case, some fly-tipping on an estate I manage produced several envelopes from a nearby address. I called at the address and, when the houseowner confirmed that they had paid someone to remove stuff, gave them the option of removing it from the estate or ... They removed it and so problem solved. I prefer to try the low key approach but, at the end of the day, why should my clients have to pay if I can identify the source of the rubbish. http://www.rivendell.org.uk coming soon |
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question about insurance
"Janet Tweedy" wrote in message ... 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) It's not just about insurance. In simple terms if he injures himself he will be spending a lot of time watching the ads on day time telly saying "We can claim for you! It could be someone else's fault!" he may or may not feel he wants to make a claim against you, a company may or may not take up his claim and it may or may not come to court depending on a lot of factors, things like was he working to your instructions, was he on your ladder, was he being paid by the hour or by a price, did you even talk about safety or just tell him to get on with it... I can't know all the details and possibilities. In reality it might be sufficient just to have a conversation with him about safety and risks and make sure you both understand that it will be his responsibility and you aren't asking him to do anything he isn't comfortable with. If you are really paranoid you can put it in writing. It isn't always easy to demand to see insurance documents from tradesmen. IANAL Tim W |
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question about insurance
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question about insurance
On Jul 31, 9:12*pm, Janet wrote:
In article umH4o.2$5z7.1@hurricane, says... t isn't always easy to demand to see insurance documents from tradesmen. I've never found that and I always ask.In my experience, any * professionals who use ladders or chainsaws etc, are well used to requests to show their insurance cover certificate (at fair notice) and very happy to do so because it marks them out from the cowboys. * *So does owning and using their own tools and ladders. * *Janet Asking is not a problem; If it is, then there is a problem! I used to make copies of mine to have them at the ready and with the regular custom of larger properties I used to just supply one "for your records". I'm guessing that in this case, "part time" gardener has probably got some sort of private medical insurance... not public liability. So if asked have you insurance. "Oh, yes, of course" (-: Either that, or he does have the insurance, but for the other half of that "part time" bit. |
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question about insurance
In article
, aquachimp writes I'm guessing that in this case, "part time" gardener has probably got some sort of private medical insurance... not public liability. So if asked have you insurance. "Oh, yes, of course" (-: Either that, or he does have the insurance, but for the other half of that "part time" bit. That's what I thought from what she told me. i also think I was told so that i might jump in and offer my help but the wisteria is up to bedroom level and 1. I have never pruned a wisteria so don't feel confident |i would make a good job and 2. I would not be covered as i would only have my own insurance. Janet -- Janet Tweedy Dalmatian Telegraph http://www.lancedal.demon.co.uk |
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question about insurance
In message , Janet Tweedy
writes In article , aquachimp writes I'm guessing that in this case, "part time" gardener has probably got some sort of private medical insurance... not public liability. So if asked have you insurance. "Oh, yes, of course" (-: Either that, or he does have the insurance, but for the other half of that "part time" bit. That's what I thought from what she told me. i also think I was told so that i might jump in and offer my help but the wisteria is up to bedroom level and 1. I have never pruned a wisteria so don't feel confident |i would make a good job and 2. I would not be covered as i would only have my own insurance. Janet What a depressing thread. Is this what we are reduced to? Can't get a wisteria pruned without a great debate about insurance and liability just in case anything untoward happens. What about my window cleaner or the people from the charity shop who come on to my property to collect a bag of old clothes, the painter and decorator, the plumber, the Dyson engineer etc etc. Must I ask them all for a certificate of insurance? Seem so. How will I ever get anything done!! -- hugh "Believe nothing. No matter where you read it, Or who said it, Even if I have said it, Unless it agrees with your own reason And your own common sense." Buddha |
#12
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question about insurance
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! |
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question about insurance
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