Author Box
Articles Categories
All Categories
Articles Resources

Check Your Tradesman's Liability Insurance Before Employing Them

April 20, 2012 | Comments: 0 | Views: 213

If you employ a tradesman to carry out any sort of work on your property it is essential that you check that they have the adequate liability insurance cover in place.

Failure to check whether a tradesman is bona-fide and insured against all his trades liability risks, has in some extreme cases, cost the homeowners employing tradesman, their houses.

There are many risks that a tradesman will expose a homeowner to during the course of their work, and as a result of their work. All these risks involve injury to members of the homeowners family, or the public or the tradesman's employees. The type of accident and injury that can occur which could lead to a tradesman being sued for damages, varies according to the trade.

For example, you as a homeowner are responsible for the condition and safety of your property's roof. You recently employed a local roofer to carry out some repairs to the house roof and replace some roof tiles. You were satisfied with the work and paid him.

Some time later these same tiles dislodged in a mild wind and fell, seriously injuring a passer-by who subsequently sues you for his injuries which are critical.

You contact your insurance company to advise them of the claim against you. The home insurance company after sending round an assessor, refuse to pay out arguing that it was the proximate cause of the work of the tradesman you employed and you will have to pursue your claim against him.

You establish that the roofer did not have insurance and who claims that you were satisfied with his work at the time and signed it off by paying him. Your lawyers inform you that as the roofer does not own any property and consequently it is not economic to pursue the claim against him. You will have to bear the costs.

In the meantime the costs of the claim are mounting as the claimants legal teams add thousands to the claim against you.

You do not have enough money to settle the claim out of court and are forced to sell your property.

This nightmare scenario has happened to too many people, simply because they did not check the state of the tradesman's liability insurance before they employed them.

All good tradesman will have a minimum of £1 million public liability insurance which protects them against claims from the client and public. If they employ any staff they are required by law to have employers liability insurance for which a certificate is always issued.

Before signing or verbally agreeing to employ any type of tradesman you should ask to see the copy of either the policy schedule outlining the public liability indemnity cover or the employers liability certificate if the tradesman has any helpers. Take a copy if you can, or at least check the policyholders name is the same, take the insurance company details and policy number and check that the date is valid.

If the tradesman is unwilling to provide these details, then it is highly advisable to pick up the yellow pages and look elsewhere.

Tradesman Insurance is one of the UK's oldest and largest Tradesman Liability Insurance comparison sites. Compare tradesman insurance quotes from over thirty different liability and tools cover providers for every trade.

Source: EzineArticles
Was this Helpful ?

 
0
 
0
 
Rate this Article
 vote(s)
Feedback
Print
Re-Publish

Article Tags:

Liability Insurance

,

Tradesman Insurance

,

Tradesman Liability Insurance

,

Tradesmans Insurance

Auto insurance is probably one of the most expensive insurance types in Canada. An average car insurance policy in Canada costs approximately $1,200 per year and in Ontario, the largest Canadian

By: Alex Saltykov l Insurance > Car Auto l July 09, 2013 lViews: 552

Your house is often your largest investment that you need to protect via insurance. We created a list of multiple savings tips related to Home insurance and hope that these will help you to save a

By: Alex Saltykov l Insurance > Home Owners Renters l December 27, 2012 lViews: 379

Most auto insurance companies design specific car insurance policies for classic and antique cars. If you think you have a classic car and want classic car insurance, you will need to be sure that

By: Richard l Insurance > Car Auto l October 17, 2012 lViews: 570

Business Overhead Expense Insurance Plans can provide cash flow to the business in the event of a disability to a key employee or owner. For a small, growing company it might make the difference

By: T. Spencer White l Insurance > Disability l July 17, 2012 lViews: 243

Workers compensation costs are rising. According to a recent report by the Workers Compensation Research Institute (WCRI), indemnity costs per claim (the loss of earning capacity, payments for lost

By: Kelly C. Williams l Insurance > Workers Compensation l July 08, 2012 lViews: 221

One of the most helpful government programs out there is the SSI Disability program. A person that is legitimately disabled, and cannot work to provide an income for themselves for their family

By: Oleg Winter-Burnett l Insurance > Disability l July 04, 2012 lViews: 282

Manufacturing business is one of the complex business types, which involves complicated business operations that may put the capitals at risk. The challenges faced by the business owners are unique

By: Nate Rodnayl Insurance > Commerciall April 24, 2012 lViews: 180

Cleaning up after a disaster that strikes a business can be time consuming and expensive cost. Most commercial insurance policies offer cover for debris removal and fees for professional advice

By: Dave Healeyl Insurance > Commerciall April 22, 2012 lViews: 171

Unfortunately, risks of litigation are growing steadily, with society now having a new love; prosecuting for the slightest problem. Charities are not immune to this despite their ethical standing.

By: Denise Beresfordl Insurance > Commerciall April 20, 2012 lViews: 162

If you own or lease a shop premises or retail outlet, it essential to have the correct security in place to deter thieves. All insurance companies when offering shop insurance to retailers will

By: Dave Healeyl Insurance > Commerciall April 20, 2012 lViews: 175

Business insurance is a form of risk management specifically suited to companies, including sole proprietorships. Business insurance is available in a wide array of formats, including a business

By: Ailene G Bridgesl Insurance > Commerciall April 18, 2012 lViews: 168

Liability is legal responsibility for damages. When we think of liability, we tend to think of the risk associated with business. Professional liability, however, applies even to individuals,

By: Leony Bridges Juvicl Insurance > Commerciall April 18, 2012 lViews: 135

Cleaning up after a disaster that strikes a business can be time consuming and expensive cost. Most commercial insurance policies offer cover for debris removal and fees for professional advice

By: Dave Healeyl Insurance > Commerciall April 22, 2012 lViews: 171

It is exactly 100 years since the pride of the White Star Line, the RMS Titanic, hit an iceberg in the Atlantic Ocean and sank with the loss of over 1500 lives. The centenary has prompted many

By: Dave Healeyl Insurance > Watercraftl April 20, 2012 lViews: 285

If you own or lease a shop premises or retail outlet, it essential to have the correct security in place to deter thieves. All insurance companies when offering shop insurance to retailers will

By: Dave Healeyl Insurance > Commerciall April 20, 2012 lViews: 175

Most of us know how much we earn each month in wages or a salary, but have you ever taken the time to sit down and calculate exactly how much household expenditure you have each month? Income

By: Dave Healeyl Insurancel April 12, 2012 lViews: 97

If you own a second property that is let for rent you will require what is known as a residential landlords insurance policy. This type of insurance provides coverage for risks that might cause

By: Dave Healeyl Insurance > Commerciall April 11, 2012 lViews: 159

Choosing the correct commercial insurance for your business needs can be daunting enough even for a seasoned businessman or negotiator. For a start up enterprise ensuring that the business has full

By: Dave Healeyl Insurance > Commerciall April 11, 2012 lViews: 130

Discuss this Article

comments powered by Disqus