When things go wrong...Insured?

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johniosaif

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Things do go wrong in our game, mistakes caused by rushing or if you are in bad mood or lacking concentration or if you have new staff not familiar with how things should be, I am going to show things that Cost myself money and pride. Worst one, I was doing a small refurb job, a bit of render and plastering for a new extension, up on a ladder using a screw gun,I accidently hit the drill knocking it against a glass door, that door cost £1200 for new glass,came out of my price, the builder or architect claimed to have no insurance.. double glazed door with internal blind, hurts to think about it. another job, private job ,doing it on the cheap, sadly the floor covering was not adequate and dirty water leaked through the carpet,cost £120 to clean.lesson learned there. another one happened to my pal, his idiot of a labourer was throwing dirty water down the bath while they were doing a loft skim out, bath blocked.usual rows and screaming, labourer said I can sort it, he took the panel off and undid the trap, cleaned the crap from it etc then the 'classic' he ran the water to rinse out the trap without a stopper in place, the client had come home and water was running through her down lighters in the front room..Murders as you could imagine.
I am fully insured now and had been most of my working years but sometimes you let it run out when funds are low..Please learn rather than suffer. Private jobs need to be more expensive than site jobs as things are more likely to get costly..
 
Hey thats bad look mate , but it just shows we dont like it when we pay the premium but its nice when we need to claim. i always have employeres and public liability
 
Yes i agree but washing out in the clients bath .......:RpS_unsure: he must have been some sort of mongoloid .
 
once pulled a ceiling down,had sheets of plywood down/tarpaulins/skip right outside, everything, boarded ceiling and skimmed and throwing rubbish out straight into skip, all going well, got ceiling finished, dropped scaffold, sheets of plywood/tarpaulins dust sheets tools etc all out, cleaned area round by skip, inside all was well , then i got the dyson hoover out to sweep up the small bits of dust ,been at it 30 seconds smell of burning from hoover, hoover stopped fully, told the customer my mistake cost me 180.00 quid for new hoover told her to knock it off the bill, although i have been insured for 19 years it was to small a claim not worth claiming, got in touch with dyson myself could not understand why this happened no rubble nothing remotely like it just dust, i was told the dust was to fine and that burnt the motor out, not a happy bunny at all, but as john says you do learn from these things, but even now if i drive by the house i still look over some 12 years later.:RpS_mellow:
 
£1200 for to replace the glass in the door?? youve had ya pants pulled down!!!
 
once pulled a ceiling down,had sheets of plywood down/tarpaulins/skip right outside, everything, boarded ceiling and skimmed and throwing rubbish out straight into skip, all going well, got ceiling finished, dropped scaffold, sheets of plywood/tarpaulins dust sheets tools etc all out, cleaned area round by skip, inside all was well , then i got the dyson hoover out to sweep up the small bits of dust ,been at it 30 seconds smell of burning from hoover, hoover stopped fully, told the customer my mistake cost me 180.00 quid for new hoover told her to knock it off the bill, although i have been insured for 19 years it was to small a claim not worth claiming, got in touch with dyson myself could not understand why this happened no rubble nothing remotely like it just dust, i was told the dust was to fine and that burnt the motor out, not a happy bunny at all, but as john says you do learn from these things, but even now if i drive by the house i still look over some 12 years later.:RpS_mellow:

av knackerd loads of hoovers with the dust from hacking off etc, think the henry is about the best for going the distance in our game
 
Always have insurance! for the price of it, £50 for £1,000,000.. don't matter how little work I have that aint exactly expensive! We all make mistakes, I can be a clumsy **** these days (never used to be, too much booze and naughties I reckon), I ran up the stairs in a customers house once after play fighting one of the guys working with us, ended up going through a couple of the uprights on the banister, I hastily legged it up stairs and let him take the blame.. :D
 
£1200 for to replace the glass in the door?? youve had ya pants pulled down!!!
I did obviously but thats what the firm who supplied and fitted the glass charged, I expected around 300 but a friend who was a window fitter said that special glass with in built blinds will be expensive as you can only get it from one source so they charge what they like...
 
blinds inside the glass unit?? not seen them before how do they keep the unit sealed :RpS_confused:
 
the blinds are built up then fixed into glass soo its a normal double glazed unit. blinds are operated via a magnet mechanism on the outer glass. they look smart
 
The old tipping a bucket down the bath in a loft trick, now that brought a smile to my face. Av caught some of my lads in the past using kitchin sinks to trowel multiple gauges up in!!! Not ordinary everyday sinks but the nice funky stone, glass, marble stainless steal type that u dont even wash ur hands in they look that expensive lol. Public liability is a must these days as were living in a claim culture at the min. Hard to earn a honest days work nowa days...
 
The old tipping a bucket down the bath in a loft trick, now that brought a smile to my face. Av caught some of my lads in the past using kitchin sinks to trowel multiple gauges up in!!! Not ordinary everyday sinks but the nice funky stone, glass, marble stainless steal type that u dont even wash ur hands in they look that expensive lol. Public liability is a must these days as were living in a claim culture at the min. Hard to earn a honest days work nowa days...
Sorry to say it but if you are employing people that get up to them sort of tricks then you deserve everything you get .
 
Would you guys pay your public liability insurance . Mine is £60 a year , though currently have no employees ,its just me as a sole trader. Not insured to use a flame and have a limit of £1m.
What is surprising , if i include indemnity cover it goes up to 300 plus a year .
 
Would you guys pay your public liability insurance . Mine is £60 a year , though currently have no employees ,its just me as a sole trader. Not insured to use a flame and have a limit of £1m.
What is surprising , if i include indemnity cover it goes up to 300 plus a year .
I think you also need verified subcontractors covered unless they show they have their own insurance...Re the indemnity, what are you been indemnified against?
 
i think my insurance is 1600, but that includes the lot and up to 6 employees.
believe it or not your not breaking any laws if you dont have liability insurance, but if you employ people you have to have employers liability, otherwise your breaking the law and can be prosecuted.
 
Always had liability cover for £1millon. Accidents can and do happen, overboarded a ceiling and put a screw in a pipe once, luckily we knew a plumber who was working round the corner and he came straight away and fixed it. Felt a right burk but only cost me £20 (offered rather than being asked) could have cost a whole lot more..
 
A job I worked on had a bank underneath, a screw was put into a pipe and leaked over the weekend with a £400k insurance claim from the bank in knightsbridge ,london. Glad it was nothing to do with me...
 
hector, you used the customers Dyson?!!
Never had to claim on my insurance, yet! Knocked a bucket of water over which went through dust sheets onto the parquet floor. The customer was a lawyer, luckily no damage so use plastic backed sheets now!
 
I'am always suspicious of these buggers who keep taking photos as you work !!!....... anyone els get this?
 
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