23-01-21, 02:35 PM
(23-01-21, 02:10 PM)Gnasher link Wrote: [quote author=pilninggas link=topic=26687.msg322840#msg322840 date=1611404751]
The only liability insurance which is legally required is employer's (to provide workforce protection).
If he has any sense he'll have relevant insurance to indemnify him against professional errors.
I know mistakes happen, but leaving it in an oven sounds like the work of a right muppet.
Yes true, got confused with employers insurance. Personally I've always had liability insurance that protects me and covers my work against mistakes or damage I may cause. However he's still liable for his work and any damaged he causes, by not having the correct level of insurance he's open to losing his assets and/or having judgments against him. This is were UK law is an lacking, as those who choose not to insurance themselves with mechanics insurance or equivalent which provides cover for mistakes/damage etc and leaves the customer exposed. Moral of the story ask for proof of insurance before allowing them to work on your property.
As you say he's a muppet, if he doesn't replace or pay, name and shame so others don't fall into the same trap.
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I think there was a story about 5 or 6 years ago (probably longer given memory compression) of a woman with a teashop. A customer got injured and sued her - no public liability. Lost everything: business, house, the lot. The thing i remember was that insurance would have cost her about £250/year tops. To run an sort of business without protection from liability seems silly to anyone with a modicum of common sense.
As has been said get a value - if they are now rare and expensive, get proof and go for a small claim if the fairing-melter doesnt resolve it promptly. 6 weeks at most and then letter-before-action.