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He does not have an insurance
He may be a very good tradesmen but to be blunt,he is an idiot if he does not have insurance for what it costs.
If he injures someone while working on your houseand he has no insurance and has no assets, whoever is injured will look to youand claim that he is working as your agent. Whilst it is no means settled thatthe claim would succeed against you, you would still have to deal with it.
It doesn't matter whether he has subcontractorswho have their own insurers or not, he should have his own insurance because heis vicariously liable for the conduct of those people who work for him or underhim including subcontractors.
The reason I say that he is an idiot for nothaving insurance is that it costs hundreds of pounds, not thousands of pounds.
I appreciate that he may be a good tradesmen buthe would not be working on my house. That decision of course is yours becausenow you know the implications.
Is there an insurance I can take on behalf of the builder?
I haven't got a clue but I know who will have a clue
If these people will not do it, for you on his behalf, (which Ithink unlikely) he is faced with getting it himself and they will do insurancefor him.
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