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Default Public Liability Insurance for working on our ex-council house

Hi all - we are replacing the kitchen in our house ourselves. My wife has been
doing some training and apart from using an electrician for the wiring, we
intend to do it all ourselves. It's pretty much just new for old in the same
layout.

The house is ex-council which means it's still council freehold/our leasehold.
I spoke to them about the work and they said we need Public Liability
Insurance. I've had a look around but it all seems to be for
businesses/self-employed. Is there a way to get this insurance as a private
individual?

Full council text - I spoke to the council about it and they seem happy for us
to do the work as long as we have the paperwork:

Although you are replacing you kitchen like for like, the Council have a duty
to oversee any alteration, structural or non structural, to ensure the work is
carried out to a satisfactory standard. The Council are responsible for
safeguarding the building to ensure the safety of all residents.

Therefore, in order for me to consider your request further, please provide
the following:

A specification of the proposed works including the material, design and
details of the contractor you propose to carry out this work
A method statement setting out how the contractors propose to carry out the
works (i.e. times of work/ access requirements/ disposal of rubbish, etc.)
A copy of the builders Public Liability Insurance (min. £5,000,000)

Thanks in advance

--
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http://www.homeownershub.com/uk-diy/...u-1125290-.htm
using HomeOwnersHub's Web, Mobile and Social Media Interface to
uk.d-i-y and other home improvement groups

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Default Public Liability Insurance for working on our ex-council house

In article .com,
Simon Reveley writes
Hi all - we are replacing the kitchen in our house ourselves. My wife has been
doing some training and apart from using an electrician for the wiring, we
intend to do it all ourselves. It's pretty much just new for old in the same
layout.

The house is ex-council which means it's still council freehold/our leasehold.
I spoke to them about the work and they said we need Public Liability
Insurance. I've had a look around but it all seems to be for
businesses/self-employed. Is there a way to get this insurance as a private
individual?

Full council text - I spoke to the council about it and they seem happy for us
to do the work as long as we have the paperwork:

Although you are replacing you kitchen like for like, the Council have a duty
to oversee any alteration, structural or non structural, to ensure the work is
carried out to a satisfactory standard. The Council are responsible for
safeguarding the building to ensure the safety of all residents.
Therefore, in order for me to consider your request further, please
provide
the following:
A specification of the proposed works including the material, design
and
details of the contractor you propose to carry out this work
A method statement setting out how the contractors propose to carry out the
works (i.e. times of work/ access requirements/ disposal of rubbish, etc.)
A copy of the builders Public Liability Insurance (min. 5,000,000)

Thanks in advance

It is the builders PLI they are asking for not yours, so ask him for a
copy. You will be provided with PLI under your household insurance.
--
bert
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Default Public Liability Insurance for working on our ex-council house

On Tuesday, 26 April 2016 22:00:36 UTC+2, bert wrote:
In article .com,
Simon Reveley writes
My wife has been
doing some training and apart from using an electrician for the wiring,
we intend to do it all ourselves.


It is the builders PLI they are asking for not yours, so ask him for a
copy.

What builder? That's the point; they don't have a builder.

You will be provided with PLI under your household insurance.

The OP could try sending in the household insurance, and see if the council
is happy with that.

To the OP: You say you are pretty much doing "like for like". The council
has said they don't care in that case.
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Default Public Liability Insurance for working on our ex-council house

On 26/04/2016 18:44, Simon Reveley wrote:
Hi all - we are replacing the kitchen in our house ourselves. My wife
has been
doing some training and apart from using an electrician for the wiring, we
intend to do it all ourselves. It's pretty much just new for old in the
same
layout.

The house is ex-council which means it's still council freehold/our
leasehold.
I spoke to them about the work and they said we need Public Liability
Insurance. I've had a look around but it all seems to be for
businesses/self-employed. Is there a way to get this insurance as a private
individual?

Full council text - I spoke to the council about it and they seem happy
for us
to do the work as long as we have the paperwork:

Although you are replacing you kitchen like for like, the Council have a
duty
to oversee any alteration, structural or non structural, to ensure the
work is
carried out to a satisfactory standard. The Council are responsible for
safeguarding the building to ensure the safety of all residents.

Therefore, in order for me to consider your request further, please provide
the following:

A specification of the proposed works including the material, design and
details of the contractor you propose to carry out this work
A method statement setting out how the contractors propose to carry out the
works (i.e. times of work/ access requirements/ disposal of rubbish, etc.)
A copy of the builders Public Liability Insurance (min. £5,000,000)

Thanks in advance


The mistake was telling the bloody council in the first place.

--
Dave - The Medway Handyman
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Default Public Liability Insurance for working on our ex-council house

replying to bert, Simon Reveley wrote:
That's just the point - there is no builder, just us.

--
posted from
http://www.homeownershub.com/uk-diy/...u-1125290-.htm




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Default Public Liability Insurance for working on our ex-council house

replying to Martin Bonner, Simon Reveley wrote:
Sadly it's the council who has the home insurance - we only have our own
contents insurance, because the council is the freeholder of the block. As
part of our contents insurance we have "personal liability and your liability
as occupier of your home" but I assume that's different?

--
posted from
http://www.homeownershub.com/uk-diy/...u-1125290-.htm


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Default Public Liability Insurance for working on our ex-council house

On 4/26/2016 10:44 PM, Simon Reveley wrote:
replying to bert, Simon Reveley wrote:
That's just the point - there is no builder, just us.

But there *is* an electrician, which is probably what Bert meant to say.
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Default Public Liability Insurance for working on our ex-council house

On 4/26/2016 10:43 PM, David Lang wrote:
On 26/04/2016 18:44, Simon Reveley wrote:



The mistake was telling the bloody council in the first place.

I rather tend to agree!
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Default Public Liability Insurance for working on our ex-council house

On 26/04/2016 23:03, newshound wrote:
On 4/26/2016 10:43 PM, David Lang wrote:
On 26/04/2016 18:44, Simon Reveley wrote:



The mistake was telling the bloody council in the first place.

I rather tend to agree!


Indeed. However given the starting point now, a quick chat with an
insurance broker would probably sort something out. PLI is pretty cheap.

--
Cheers,

John.

/================================================== ===============\
| Internode Ltd - http://www.internode.co.uk |
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Default Public Liability Insurance for working on our ex-council house

On Tuesday, April 26, 2016 at 6:44:03 PM UTC+1, Simon Reveley wrote:
Hi all - we are replacing the kitchen in our house ourselves. My wife has been
doing some training and apart from using an electrician for the wiring, we
intend to do it all ourselves. It's pretty much just new for old in the same
layout.

The house is ex-council which means it's still council freehold/our leasehold.
I spoke to them about the work and they said we need Public Liability
Insurance. I've had a look around but it all seems to be for
businesses/self-employed. Is there a way to get this insurance as a private
individual?

Full council text - I spoke to the council about it and they seem happy for us
to do the work as long as we have the paperwork:

Although you are replacing you kitchen like for like, the Council have a duty
to oversee any alteration, structural or non structural, to ensure the work is
carried out to a satisfactory standard. The Council are responsible for
safeguarding the building to ensure the safety of all residents.

Therefore, in order for me to consider your request further, please provide
the following:

A specification of the proposed works including the material, design and
details of the contractor you propose to carry out this work
A method statement setting out how the contractors propose to carry out the
works (i.e. times of work/ access requirements/ disposal of rubbish, etc.)
A copy of the builders Public Liability Insurance (min. 5,000,000)

Thanks in advance

--
posted from
http://www.homeownershub.com/uk-diy/...u-1125290-.htm
using HomeOwnersHub's Web, Mobile and Social Media Interface to
uk.d-i-y and other home improvement groups


Your first mistake was telling the council.


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Default Public Liability Insurance for working on our ex-council house

On 26/04/2016 22:44, Simon Reveley wrote:
replying to Martin Bonner, Simon Reveley wrote:
Sadly it's the council who has the home insurance - we only have our own
contents insurance, because the council is the freeholder of the block. As
part of our contents insurance we have "personal liability and your
liability
as occupier of your home" but I assume that's different?


I'm not at all sure that it is different. Give a copy to the council bod
and let him work it out. However, the chances are that it is limited to
less than £5m.


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Default Public Liability Insurance for working on our ex-council house

Hmm, I do recall that some time ago, I had public liability insurance added
to my house insurance so I was covered up to a couple of million for anyone
working in my property. I need cleaners, PA and Gardeners etc, It might be
worth asking the company you cover the house with about how much it costs if
it was to cover yourselves not just external persons coming in.
In my view everyone needs this sort of insurance as otherwise in a wind
somebody like the postman being hit on the head by a brick or tv aerial,
could sue the pants off you.
Brian

--
----- -
This newsgroup posting comes to you directly from...
The Sofa of Brian Gaff...

Blind user, so no pictures please!
"Simon Reveley" wrote in
message oups.com...
Hi all - we are replacing the kitchen in our house ourselves. My wife has
been
doing some training and apart from using an electrician for the wiring, we
intend to do it all ourselves. It's pretty much just new for old in the
same
layout.

The house is ex-council which means it's still council freehold/our
leasehold.
I spoke to them about the work and they said we need Public Liability
Insurance. I've had a look around but it all seems to be for
businesses/self-employed. Is there a way to get this insurance as a
private
individual?

Full council text - I spoke to the council about it and they seem happy
for us
to do the work as long as we have the paperwork:

Although you are replacing you kitchen like for like, the Council have a
duty
to oversee any alteration, structural or non structural, to ensure the
work is
carried out to a satisfactory standard. The Council are responsible for
safeguarding the building to ensure the safety of all residents.

Therefore, in order for me to consider your request further, please
provide
the following:

A specification of the proposed works including the material, design and
details of the contractor you propose to carry out this work
A method statement setting out how the contractors propose to carry out
the
works (i.e. times of work/ access requirements/ disposal of rubbish, etc.)
A copy of the builders Public Liability Insurance (min. 5,000,000)

Thanks in advance

--
posted from
http://www.homeownershub.com/uk-diy/...u-1125290-.htm
using HomeOwnersHub's Web, Mobile and Social Media Interface to
uk.d-i-y and other home improvement groups



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Default Public Liability Insurance for working on our ex-council house

On Wednesday, 27 April 2016 13:33:20 UTC+2, Brian Gaff wrote:
Hmm, I do recall that some time ago, I had public liability insurance
added to my house insurance so I was covered up to a couple of million
for anyone working in my property. I need cleaners, PA and Gardeners etc,
It might be worth asking the company you cover the house with about how
much it costs if it was to cover yourselves not just external persons
coming in.



In my view everyone needs this sort of insurance as otherwise in a wind
somebody like the postman being hit on the head by a brick or tv aerial,
could sue the pants off you.


As said up-thread, the buildings insurance would usually cover any
liability to the postman.
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Default Public Liability Insurance for working on our ex-council house

On 27/04/2016 00:21, John Rumm wrote:
On 26/04/2016 23:03, newshound wrote:
On 4/26/2016 10:43 PM, David Lang wrote:
On 26/04/2016 18:44, Simon Reveley wrote:



The mistake was telling the bloody council in the first place.

I rather tend to agree!


Indeed. However given the starting point now, a quick chat with an
insurance broker would probably sort something out. PLI is pretty cheap.

I pay £11 a month for £2 million quids worth.


--
Dave - The Medway Handyman
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Default Public Liability Insurance for working on our ex-council house



"Brian Gaff" wrote in message
...
Hmm, I do recall that some time ago, I had public liability insurance
added to my house insurance so I was covered up to a couple of million for
anyone working in my property. I need cleaners, PA and Gardeners etc, It
might be worth asking the company you cover the house with about how much
it costs if it was to cover yourselves not just external persons coming
in.


In my view everyone needs this sort of insurance as otherwise in a wind
somebody like the postman being hit on the head by a brick or tv aerial,
could sue the pants off you.


You aren't necessarily legally liable in that situation if you keep your
property in good repair.

"Simon Reveley" wrote
in message oups.com...
Hi all - we are replacing the kitchen in our house ourselves. My wife has
been
doing some training and apart from using an electrician for the wiring,
we
intend to do it all ourselves. It's pretty much just new for old in the
same
layout.

The house is ex-council which means it's still council freehold/our
leasehold.
I spoke to them about the work and they said we need Public Liability
Insurance. I've had a look around but it all seems to be for
businesses/self-employed. Is there a way to get this insurance as a
private
individual?

Full council text - I spoke to the council about it and they seem happy
for us
to do the work as long as we have the paperwork:

Although you are replacing you kitchen like for like, the Council have a
duty
to oversee any alteration, structural or non structural, to ensure the
work is
carried out to a satisfactory standard. The Council are responsible for
safeguarding the building to ensure the safety of all residents.

Therefore, in order for me to consider your request further, please
provide
the following:

A specification of the proposed works including the material, design and
details of the contractor you propose to carry out this work
A method statement setting out how the contractors propose to carry out
the
works (i.e. times of work/ access requirements/ disposal of rubbish,
etc.)
A copy of the builders Public Liability Insurance (min. 5,000,000)

Thanks in advance





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Default Public Liability Insurance for working on our ex-council house

On 27/04/16 12:33, Brian Gaff wrote:
Hmm, I do recall that some time ago, I had public liability insurance added
to my house insurance so I was covered up to a couple of million for anyone
working in my property. I need cleaners, PA and Gardeners etc, It might be
worth asking the company you cover the house with about how much it costs if
it was to cover yourselves not just external persons coming in.
In my view everyone needs this sort of insurance as otherwise in a wind
somebody like the postman being hit on the head by a brick or tv aerial,
could sue the pants off you.
Brian



Well, maybe but if you don't have insurance the ambulance chasers will
have to do some work rather than tickle the insurance company and have
them role over. If you havn't got insurance you may not be worth chasing.


--
djc

(̿Ĺ̯̿ ̿)
No low-hanging fruit, just a lot of small berries up a tall tree.
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Default Public Liability Insurance for working on our ex-council house

In article s.com,
Simon Reveley writes
replying to Martin Bonner, Simon Reveley wrote:
Sadly it's the council who has the home insurance - we only have our own
contents insurance, because the council is the freeholder of the block. As
part of our contents insurance we have "personal liability and your liability
as occupier of your home" but I assume that's different?

Ask your insurer for clarification - they are the only ones whose
opinion matters.
--
bert
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Default Public Liability Insurance for working on our ex-council house

In article , Brian Gaff
writes
Hmm, I do recall that some time ago, I had public liability insurance added
to my house insurance so I was covered up to a couple of million for anyone
working in my property. I need cleaners, PA and Gardeners etc, It might be
worth asking the company you cover the house with about how much it costs if
it was to cover yourselves not just external persons coming in.
In my view everyone needs this sort of insurance as otherwise in a wind
somebody like the postman being hit on the head by a brick or tv aerial,
could sue the pants off you.
Brian

IME public liability is always part of house building insurance BICBW
--
bert
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Default Public Liability Insurance for working on our ex-council house

In article , DJC writes
On 27/04/16 12:33, Brian Gaff wrote:
Hmm, I do recall that some time ago, I had public liability insurance added
to my house insurance so I was covered up to a couple of million for anyone
working in my property. I need cleaners, PA and Gardeners etc, It might be
worth asking the company you cover the house with about how much it costs if
it was to cover yourselves not just external persons coming in.
In my view everyone needs this sort of insurance as otherwise in a wind
somebody like the postman being hit on the head by a brick or tv aerial,
could sue the pants off you.
Brian



Well, maybe but if you don't have insurance the ambulance chasers
will have to do some work rather than tickle the insurance company and
have them role over. If you havn't got insurance you may not be worth
chasing.


Don't you believe it. The Communications Workers Union will be after you
whatever.
--
bert
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Default Public Liability Insurance for working on our ex-council house

In article ,
bert writes:
In article , Brian Gaff
writes
Hmm, I do recall that some time ago, I had public liability insurance added
to my house insurance so I was covered up to a couple of million for anyone
working in my property. I need cleaners, PA and Gardeners etc, It might be
worth asking the company you cover the house with about how much it costs if
it was to cover yourselves not just external persons coming in.
In my view everyone needs this sort of insurance as otherwise in a wind
somebody like the postman being hit on the head by a brick or tv aerial,
could sue the pants off you.
Brian


IME public liability is always part of house building insurance BICBW


If you are in an appartment block, you are often not permitted to
have buildings insurance, because the management company or freeholder
will have it, and there mustn't be more than one policy covering the
same thing.

--
Andrew Gabriel
[email address is not usable -- followup in the newsgroup]
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