comercial premises can i work

[telectrix]

Makes sense now! Where do you stand with Public liability insurance, is this still a necessity in commercial and industrial applications or does the public liability of the premises owner apply? Also What validity do your test certs have with their insurers. Thanks

you must have your own PL insurance to cover the work that you do. the premises owner's PL will cover his liability to you if, for example, you slipped on a wet floor that he'd wet.

 

[Andy78]

Makes sense now! Where do you stand with Public liability insurance, is this still a necessity in commercial and industrial applications or does the public liability of the premises owner apply? Also What validity do your test certs have with their insurers. Thanks

Last time I renewed my PLI there was a definite distinction between their single phase cover and polyphase cover. They actually termed the difference low and high voltage which caused confusion for a while until we had clarified their definitions of both terms. Turns out I had only been covered for single phase work for the previous year by their fault.
It's worth a check and a double check is what I'm saying.

 

[shanky887614]

Last time I renewed my PLI there was a definite distinction between their single phase cover and polyphase cover. They actually termed the difference low and high voltage which caused confusion for a while until we had clarified their definitions of both terms. Turns out I had only been covered for single phase work for the previous year by their fault.
It's worth a check and a double check is what I'm saying.

that is sly of them considering low voltage is >1000v

 

[Andy78]

that is sly of them considering low voltage is >1000v

Just a case of the rep knowing his job but not mine really. We got the scope of my cover sorted in the end.

 

[Chrishands]

you must have your own PL insurance to cover the work that you do. the premises owner's PL will cover his liability to you if, for example, you slipped on a wet floor that he'd wet.

I've tried quoting for a Public liability cover of £2million.

But there are a few glitches i need to clarify.

1. im going to sole trade and don't yet have a company name? but it asks for a company name, so how do i do that?
2. im not part p registered on a competent persons scheme yet so cant do domestic, if i selected cover to cover industrial domestic and commercial would this invalidate the insurance?
Found cover for about £90 a year

 

[telectrix]

1. make up a trading name. this could be composed of your initials fololwed by electrical services or some such.

2. you can do non-notifiable domestic works, no problem. £90 is about right. if your going to do industrial, then you may have to adsd 3 phse cover as extra. not all PL insurance offer 3 phase.