UKTC Archive

Re: one-off insurance?

Subject: Re: one-off insurance?
From: Scott Cullen
Date: Sep 01 2006 17:39:35
The "rules" about splitting tree time (aerial or otherwise) and what we might 
call landscaping time (mowing, planting, shrub trimming, etc.) are variable.  
Some companies quite flexible.  Some want hour by hour time records for each 
worker and no splitting up one job... all time to highest applicable rate.  
So we used to write seprate orders for differerent crews doing different work 
with separate time reports.  And we also split it out by state sine we worked 
in two with quite different manual rates.  But what we saved in a year paid 
for our first computer system back in '81 or '82.

Then a 10MB hard drive was the size of a piece of luggage and cost $4,500.00 
US in 1981 dollars.  I just saw a little bin of USB thumb drives next to the 
check out at the office store.  64MB for $9.99!

SC
  ----- Original Message ----- 
  From: Andersonarb@xxxx.com 
  To: UK Tree Care 
  Sent: Friday, September 01, 2006 12:40 PM
  Subject: Re: one-off insurance?



  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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The UKTC is supported by The Arbor Centre
http://www.arborcentre.co.uk/