Liability insurance for garden work

[londonlad]

Situation - I pay a bloke £60 per day to do gardening work at my home, and he sends someone in with the relevant tools (chainsaw for logging, strimmer etc) to get it done.

I was at home the other day and saw him chucking petrol onto the fire he was making to get rid of the garden waste, and suddenly I got rather nervous.

I'm not sure if the chap I pay has liability insurance. Would I be liable for anything going wrong if he hasn't any? There is no contract between us or anything like that. I have no idea where I stand or what vulnerabilities I have here - but they are very hard grafters so I'm loathe to stop them coming in!

 

[aaamusements]

I was at home the other day and saw him chucking petrol onto the fire he was making to get rid of the garden waste, and suddenly I got rather nervous.

My initial thought was that if they can afford to chuck petrol on a fire, you must be paying them too much!

Not very helpful I know...

 

[GRDCredit]

Situation - I pay a bloke £60 per day to do gardening work at my home

My initial thought are you an MP?

Not very helpful either I'm afraid.

 

[londonlad]

Very funny people! Anyone got a real answer?

 

[CertaxBexley]

Ask your Insurance Broker, as to whether you are covered for any liability arising from contractors working at your home address, under your Home Buildings / Contents insurance.

 

[PhilWarman]

Ask the guy to provide proof of liability insurance simple as that.