If you employ workmen to do stuff on your property, what sort of insurance should they have?
I am thinking that they should have public liability as an operating business, but does this protect their customers against damage they cause?
Example: Tree surgeons fell a tree on top of your house and do £10-20k damage.
Should they, as a matter of course, have insurance to cover repairs to the house? Does this fall under public liability, or is this a separate policy with a different title?
The reason for these questions - I am looking to get fascias and soffits replaced and also some tree pruning done.