Screwdriver
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your type ruins it for us "real" tradsmen trying to run companys
Yeah well there's a circle drawn around my shed extending 100m in every direction. Enter that circle and be prepared to work for peanuts.
your type ruins it for us "real" tradsmen trying to run companys
I'm just playing at this really, it's not going to become a profession per se. I do the work I enjoy doing and I enjoy it because it makes the "client" happy. My clients are my neighbours. I would not want to do the same work for a faceless entity just for the money. If I wanted to make money for the sake of it, I'd be doing something else.
they must be more of a risk than electricians at that priceI’ve got a few clients doing property maintenance and they’re paying around the £280-310.
I just want to do fiddly bob a job work and I am pretty sure once this agency sees my prices, I'm going to be very popular.
When you call them concerning their insurance requirements, perhaps also ask them to forward a copy of their standard payment terms. You may need to adjust your price if they are on a 90-day payment cycle _after_ approval of your invoice.
See this, for example, on insurance:
https://www.buckscc.gov.uk/services...ty-maintenance-standard-terms-and-conditions/
and this on pricing:
https://www.zestpropertyservices.com/our-prices/
When you call them concerning their insurance requirements, perhaps also ask them to forward a copy of their standard payment terms. You may need to adjust your price if they are on a 90-day payment cycle _after_ approval of your invoice.
See this, for example, on insurance:
https://www.buckscc.gov.uk/services...ty-maintenance-standard-terms-and-conditions/
and this on pricing:
https://www.zestpropertyservices.com/our-prices/
I think the bare minimum will be liability. If they insist its indemnity I would get that in writing and get a second opinion from someone else in their office.I need the bare minimum requirement specified by this particular housing association agency in order to secure general handyman work for the shared areas. I can happily work for each and every one of them individually (so far I have worked in 4 out of the 6 flats) but if it's a shared area, I need to go via the agency. They will tell me what I need to get myself on their books.
they must be more of a risk than electricians at that price
I'm not in the same game but I got my indemnity and liability insurances from Direct Line. I found their prices very competitive and at the time I also had one of the cars insured with them.
Would you be happy to share a ballpark figure?
they must be more of a risk than electricians at that price
I know what other tradesmen would say against sparkles but won’t repeat it on here
King of the trades, there's no other trade that goes through as many regulations and regulation changes, courses, qualifications and scheme requirements as sparks All at the same time as we have to deal with plumbers burning and cooking our cables, the mud slingers cutting off our cables and filling our boxes with plaster and the builders making our lives difficult while every Tom, Richard, and Harry thinking they can do our job because they've changed a fuse in a plug top and watched a few videos on youtube "it's only connecting up a couple of wires"
PLI is a legal requirement to trade so I think its that they will be referring to.
I did not know liability was not mandatory. I always thought / told it wasPLI can stand for product liability or public liability and neither are a legal requirement, it is only employers liability insurance that is mandatory for certain companies (generally those with employees who are not family members)
PI insurance is unusual as it does not require something to go catastrophically wrong (e.g. public requires something to blow up / burn down / be injured etc) but PI covers you for professional advice given e.g. if you use materials that are not fire regs compliant or if you advise that a job does not need doing but it did and someone was injured etc. It also coveres design elements e.g. if you decide what fixing to use etc.
PI insurance is increasingly difficult to get, but if acting as a handyman, assuming you stay away from fire stuff (cladding, penetrations through fire walls, fire doors etc) then it should be available at a reasonable price.
You can often up your deductible (something referred to as an excess but for a business policy is normally actually a deductible) to make the policy cheaper and you will normally not need a particularly high value, ask the housing association what the required minimum is
my excess is £150 quid i think might be 200