Public Insurance

[LarryTheDecorator]

What do you think of public liability insurance? I've been looking at insurance for decorating (when I set myself up), seems so as you mention you have a record, the quotes clam up

 

[Vincey]

Mines for 5 million, it’s minimum requirement on British gypsum certified scheme for any members

 

[LarryTheDecorator]

I can't get my head round that, how much damage can a bit of plaster do? Worse case it just drops on me head whilst I'm reheating a greggs pasty?

I can understand electrics and plumbing, I'm trying t understand why a decorator needs insurance? (happy to get it if I can)

Mines for 5 million, it’s minimum requirement on British gypsum certified scheme for any members

 

[lurpak]

2mil

 

[LarryTheDecorator]

That's for the foot pics x

2mil

 

[LN1]

What do you think of public liability insurance? I've been looking at insurance for decorating (when I set myself up), seems so as you mention you have a record, the quotes clam up

I thought you were going for the prime ministers job

 

[Vincey]

Tbh Larry public liability is not that much for sole trader you could go for 1 million for hundred odd pounds a year
Best to have at least that as s**t happens sometimes

 

[ChrispyUK]

What do you think of public liability insurance? I've been looking at insurance for decorating (when I set myself up), seems so as you mention you have a record, the quotes clam up

Feel for you Larry, that’s s**t...but necessary.

 

[tapit]

I can't get my head round that, how much damage can a bit of plaster do? Worse case it just drops on me head whilst I'm reheating a greggs pasty?

I can understand electrics and plumbing, I'm trying t understand why a decorator needs insurance? (happy to get it if I can)

who has splashed paint over my van gogh?

 

[tapit]

Apart from van gogh of course

 

[tcd]

been paying for it for nearly thirty years, never had to claim it thank f**k, but its essential as you may be asked to provide it when you are subbing to builders and contractors,

 

[Deleted member 32554]

What do you think of public liability insurance? I've been looking at insurance for decorating (when I set myself up), seems so as you mention you have a record, the quotes clam up

Depends , if your record says " insurance fraud " its not looking good
Mines about £80 direct line , never had a claim but you pay first £250 for spills and breakages , about £500 services ( elec and plumbing damage )

 

[martinemj]

Depends , if your record says " insurance fraud " its not looking good
Mines about £80 direct line , never had a claim but you pay first £250 for spills and breakages , about £500 services ( elec and plumbing damage )

Yea i pay about the same with direct line.

 

[Smudger1]

Public n employee combined liability, both £10m cover cos 1 of main customer insists on it. Can't see it needing paying out that much unless I pushed fekin house over onto laberours sitting in bugatti verons !

 

[LarryTheDecorator]

Happy to! I think using common sense, and listening to what the people want will probably get me fired within a week

I thought you were going for the prime ministers job

 

[MIXERMAN]

Where u bin Larry thought you'd gone away again.

 

[Deleted member 40920]

I can't get my head round that, how much damage can a bit of plaster do? Worse case it just drops on me head whilst I'm reheating a greggs pasty?

I can understand electrics and plumbing, I'm trying t understand why a decorator needs insurance? (happy to get it if I can)

I went and quoted for skimming a house that had been ruined by a fire, worth about 750k. Electrician was working there and left his batteries all charging over night. Caught fire and destroyed the place. Luckily the owner and his family were on holiday but that's how huge claims can happen

 

[LarryTheDecorator]

Blimey, that's frightening

Whenever I finish up for the day, everything gets disconnected - I trust nothing as pretty much guaranteed something will pop while I'm asleep

I went and quoted for skimming a house that had been ruined by a fire, worth about 750k. Electrician was working there and left his batteries all charging over night. Caught fire and destroyed the place. Luckily the owner and his family were on holiday but that's how huge claims can happen

 

[John j]

Stop turning up in ye prison overalls.lol

 

[Danny]

for £80 odd quid a year its worth it A split bucket of finish down someones stairs will get expensive

 

[LarryTheDecorator]

Didn't think of that!

for £80 odd quid a year its worth it A split bucket of finish down someones stairs will get expensive

 

[John j]

 

[beader]

for £80 odd quid a year its worth it A split bucket of finish down someones stairs will get expensive

Tight arse.... buckets are cheap to replace.

 

[The Hobo]

been paying for it for nearly thirty years, never had to claim it thank f**k, but its essential as you may be asked to provide it when you are subbing to builders and contractors,

I do church work and have to pin certificate on public notice board in church no insurance no job

 

[The Hobo]

View attachment 35689

that's a cracker pal

 

[tapit]

View attachment 35689

s*x with a bereaved person north of the border .....scottish widow

 

[Stevieo]

I can't get my head round that, how much damage can a bit of plaster do? Worse case it just drops on me head whilst I'm reheating a greggs pasty?

I can understand electrics and plumbing, I'm trying t understand why a decorator needs insurance? (happy to get it if I can)

Which is fine until you kick a block off the scaffold and turn someone into a cabbage. What's that worth?

 

[LarryTheDecorator]

A quid?

Which is fine until you kick a block off the scaffold and turn someone into a cabbage. What's that worth?

 

[John j]

Which is fine until you kick a block off the scaffold and turn someone into a cabbage. What's that worth?

Should have his hard hat on

 

[Topspread16]

Which is fine until you kick a block off the scaffold and turn someone into a cabbage. What's that worth?

Britain’s got talent finalist at least. If not a medal off the queen herself

 

[Danny]

its peace of mind...

 

[beader]

I do church work and have to pin certificate on public notice board in church no insurance no job

Could you just not say that any accidents were an act of God??? #just saying

 

[The Hobo]

Could you just not say that any accidents were an act of God??? #just saying

JESUS GOD FORBID YOU BLASTFEMER LOL

 

[majplast]

What do you think of public liability insurance? I've been looking at insurance for decorating (when I set myself up), seems so as you mention you have a record, the quotes clam up

I think it's necessary to have public liability insurance here, recently I was constructing new building and I have to go with builder risk insurance as well...I know sometimes it's too heavy to pay for all this coverage but ultimately its make our business safe in the end

 

[khail]

I think it's necessary to have public liability insurance here, recently I was constructing new building and I have to go with builder risk insurance as well...I know sometimes it's too heavy to pay for all this coverage but ultimately its make our business safe in the end

How much you have paid for builder risk insurance?

Depends , if your record says " insurance fraud " its not looking good
Mines about £80 direct line , never had a claim but you pay first £250 for spills and breakages , about £500 services ( elec and plumbing damage )

That's affordable compared to the price we have quoted here