Portable Appliance Testing?

[Duncan Wood]

=

=A3220, inc temporary employes

[Duncan Wood]

Actually you haven't got agreement, particularly from my broker.

[Duncan Wood]

You can ask them, every other insurance policy I've had does.

[Roland Perry]

In message , at 12:24:37 on Thu, 7 Jun 2012, Duncan Wood remarked:

Every other *what* policy? It's not covered in a mobile phone theft policy, for example.

[Roland Perry]

In message , at 12:23:23 on Thu, 7 Jun 2012, Duncan Wood remarked:

Any ideas why he's the odd one out?

[Duncan Wood]

He's not, you seem to be. Plus he does actually do this & has never sold a PLI insurance that include damage.

[Duncan Wood]

Every other Public Liability Insurance Policy. At no point have we been discussing mobile phone theft insurance. Where have you got a policy from that excludes damage (never mind why one would take out such a policy)?

[Roland Perry]

In message , at 12:52:29 on Thu, 7 Jun 2012, Duncan Wood remarked:

I'm sure you'll find that the policies cover damaging the *public's* property, but not your clients'. That's the issue we are debating.

[Roland Perry]

In message , at 12:49:57 on Thu, 7 Jun 2012, Duncan Wood remarked:

uh? He's never sold one that did include damage??

FAOD, I've been arguing that such policies *don't* cover damage to your clients' property, because they aren't the public.

It should cover damage to the public's property, no doubt with various exclusions and excesses.

[Duncan Wood]

You're claiming they're the norm, but you've yet to find a single one with that exclusion.

[Roland Perry]

In message , at 14:07:27 on Thu, 7 Jun 2012, Duncan Wood remarked:

I haven't even looked for one, because that would be like looking for a mobile phone theft policy with coverage for missed flights.

What you need to do is find one which *does* include it.

[Duncan Wood]

Sorry, didn't include damage, including to the clients property, equally he's quite a good broker, so he'd probably not have bothered.

[Duncan Wood]

Well AXA tradesmans incudes it, you've already had the link to that.

[A.Lee]

Dont bother replying to the dork any more, he can never admit he may have got something wrong, he'll be googling for hours now to find a policy that excludes damage to a customers house. That the vast majority do, will not be enough, he is so pedantic that he'll be reading policies for the next week to find one that fits his idea of what it should contain.

As an aside, my mate is high up in Hiscox Insurance, I asked him last year if he could supply my PL and PI Insurance, he said no way could they compete on cost, and their cover is no good for a small trader - they are set to supply professionals (non-manual workers) and large Companies, so finding one of their policies with a damage limitation is not going to be that difficult, as it is not the market they are aiming for.

Alan.

[Roland Perry]

In message , at 15:21:11 on Thu, 7 Jun 2012, Duncan Wood remarked:

But that's a specific tradesman policy, not a generic "Public Liability" one.

[Roland Perry]

In message , at 15:55:10 on Thu, 7 Jun 2012, A.Lee remarked:

Personal abuse. Excellent.

ps. No need to be Googling Tradesmens policies to look at exclusions, I've already pointed out that I'm talking about generic Public Liability ones, not specialised Tradesmans policies.

[Duncan Wood]

Apart from that being a generic policy that covers all trades they then a specific one for people who don't want to be called tradesman, the policy for professionals "Awards of damages cover We will pay the amount of damages for which you, or any of the additional persons insured, are liable at law and claim costs in respect of accidental

1 bodily injury to any person 2 loss of or damage to material property 3 obstruction, trespass, nuisance or interference with any right of way, air, light or water 4 wrongful arrest, detention, imprisonment or eviction of any person or invasion of the right of privacy occurring during the period of insurance in connection with the business."

[Duncan Wood]

Find a Public Liability one with the exclusion then. My broker was unaware of any yesterday when I renewed my travel insurance.

[Roland Perry]

In message , at 11:40:50 on Fri, 8 Jun 2012, Duncan Wood remarked:

Apparently hunting such a thing with Google is regarded as a sign of weakness. As a middle course, how about this exclusion in the AXA policies you've mentioned previously:

"We will not cover contractual liability", so if your contract talks about doing some works and making good, anything you broke (even accidentally) that has to be fixed won't be covered.

[whisky-dave]

I don;t think you can on all equipment, it's OK on leads but putting

500V into a lot of electronic and scientific equipment isn't a good idea, particually computers or so I was told.