Public liability insurance advise

[Inverness]

hi guys, I was self empolyed not now I'm now got a full time payee job! but my public liability insurance will be running out end of this month. How does it work for updating my public insurance?
But I still keep my self employed business open for carrying out existing customers gas work that I do every so often. Cheers

 

[ShaunCorbs]

need to renew if your doing your own work as well

 

[WC1]

Work done for your employer should be covered by their insurance (check they have PL and EL)
YOur sE work will need its own insurance ie renew what you've got

 

[firemant]

hi guys, I was self empolyed not now I'm now got a full time payee job! but my public liability insurance will be running out end of this month. How does it work for updating my public insurance?
But I still keep my self employed business open for carrying out existing customers gas work that I do every so often. Cheers

I was in a similar position and asked the brokers if I could get it cheaper, as the insurance company exposure was dramatically smaller. The answer was an emphatic NO.

TBH, I don’t go a great deal of private work now, and don’t bother with insurance. But that is a personal choice, and mist mishaps are not worth claiming for anyway. It is just the big one.....

Just as a note: The earlier responses use the word “need”. PLI is not actually required - even GasSafe do not demand it to be on the register.

 

[WC1]

All employers must have eli. Pli is optional but something I would never dream of doing plumbing work without nor would I advise others to. Never had a claim but that's just how I roll😉

 

[ShaunCorbs]

I was in a similar position and asked the brokers if I could get it cheaper, as the insurance company exposure was dramatically smaller. The answer was an emphatic NO.

TBH, I don’t go a great deal of private work now, and don’t bother with insurance. But that is a personal choice, and mist mishaps are not worth claiming for anyway. It is just the big one...

Just as a note: The earlier responses use the word “need”. PLI is not actually required - even GasSafe do not demand it to be on the register.

If your willing to be not insured that’s upto you but I would always recommend a trades person always has insurance

 

[firemant]

Thats weird. what happened to the post from Inverness asking me if I was saying not to bother, and my response. About lunchtime today.

 

[Rob Foster]

TBH if you are doing small private work ..not gas..then as long as your niche customers understand then any screw up
which gets out of hand might well be covered by their insurance anyway..rock on
in my opinion. Rob Foster

 

[Inverness]

Gas safe require pli? If your only dealing with servicing and installations in domestic as part time?

 

[Harvest Fields]

Thats weird. what happened to the post from Inverness asking me if I was saying not to bother, and my response. About lunchtime today.

What post?

 

[firemant]

What post?

As I said, Inverness asked me if I meant that it is not worth bothering with PLI if you are part time. I responded by saying (short version!) that I have turned down jobs based on having no PLI, such as a gas fire and long run in my local pub, and that it may be daft to fit a UV cylinder in a 3rd floor flat with no PLI. And that the repercussions of an "odd job" going wrong is the same as one of many. But, ultimately, you make the decision, and stand by the risk. If it was just my post that has gone missing, I would assume that I cocked up, as I do regularly when using the phone but his post has gone AWOL as well.

 

[Harvest Fields]

It hasn’t been deleted mate. No idea where it is?

 

[firemant]

Ooops. My bad. It was a "conversation", I didnt realise that at the time. Sorry, Inverness, for revealing a "private" conversation. I really should not do this on my phone.