How to check a tradesmen has insurance?
- Thread starter Dave D
- Start date
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We get asked for proof all the time so he should not have a problem sending you proof,
What is the proof? A certificate? And what should it say? Cheers
Public liability, yes it will be a certificate.
It should say period of cover, details of business and I guess cover value which these is probably £5m min
But you might need your own all risks insurance if your buildings insurance doesn’t cover you.
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We only tend to asked when dealing with Highways etc. We had to up our liability (from 5 to 10 mill) a few years back, to satisfy Highways, when erecting Heras fencing on a footpath.
My insurance suppliers say they don't issue a certificate (for PLI) per say. Rather I forwarded the schedule as you said.
Not even a standard template that they email out or you can download?
I'd certainly want to see proof that cover was in place - dates, and amount of cover and suchlike.
i used to teach computers in peoples home and had PL insurance and always had a certificate, for home and car most are online now , and if want i copy, i can request they send in post or i download the PDF and print out - so i dont see why the builders cannot provide this to you
I remember emailing the schedule and all the relevant policy details, but no actual certificate. I had a look back at the email back and forth, starting with me having to up my liability threshold etc. The Highways bod was satisfied in the end.
The funny bit was when she asked for my scaffolding credentials and I just had to hold my hands up on that one. She let it pass seeing as it was only Heras fencing and that the supplier helped us clip it together.
I don't think the OP has been refused yet...?
Yes it's early days yet. I just noticed they are on checkatrade and it's says the pl insurance is verified.
Never rely on a third party saying something is "verified" unless that third party will cover all your loses if that's not actually the case.
Agree.
We've been beam-ing today. It was a right b'stad as we had very little wiggle room due to the wall below and its lintels and doors etc, to remain for the time being. The outer leaf beam goes in on Monday...
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