I am moving into a new age restricted wardened flat and they (not unreasonably) insist that all work is done by traders with appropriate qualifications and insurance.
I've currently selected a kitchen fitter who is dragging his heals over supplying a copy of his PL certificate and I suspect that he doesn't have any and is hoping that the problem will go away if he waits long enough.
But it is not within my gift to let the problem go away and, as there is a warden on site (who's a bit of a nanny and takes an hour to hour interest in what's going on on the site) we shall be rumbled if I let him do the work before I have supplied the management company with the required docs.
Apparently, if he's only replacing cupboards like-for like (more or less) he doesn't need to be "authorised", but if he does plumbing or electric work he does. And, of course, he's doing some plumbing work - but not the electrics, we have sub-ed that part to someone else as I have substantial work in the rest of the flat that needs doing.
So my questions:
1) Is it normal for small traders who do this type of work to "forget" to carry PL insurance.
2) what does it cost anyway, for this trade?