In a message dated 01/09/2006 14:17:35 GMT Standard Time, dscottcul@xxxx.net
writes:
Both are priced according to a "manual rate" a %age charged against
payraool, which is taken as a surrogate for the amount of exposure through
hours
worked.
After the recent fiasco in the UK Arb contracting where the underwriters
claimed they wanted to pull out of the industry completely, recent 'year end
declarations' have permitted some haggling over how much of it was actual
aerial
work and how much was ground work, how much was planting and other
(easier/safer) stuff. Fair enough I s'pose. The premium is based on last
years turn
over.
Personally I do everything I can to minimise my contact with the insurance
industry, same as I do to minimise my contact with the tax / customs and
excise people. To further this objective I often explain to customers where I
think damage is impossible to avoid; so those tumble down dry stone walls
that
are half-collapsed before we even start to work on the trees that have pushed
them over do not end up being the subject of a futile insurance claim that
gets
up the client's nose, my nose or the insurers.
Which, as I had a client whinging about his crappy 99% rotten fencing bar
that could no longer support it's own weight without a bunch of Leyland to
hold
it up is a worthwhile exercise as some people seem not to live in the real
world and want to try and claim against you at the drop of a hat! Me?
Bitter?
Nahhhh.
Bill.
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