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Stuart J
Stuart J, Solicitor
Category: UK Property Law
Satisfied Customers: 22620
Experience:  PGD Law. 20 years legal profession, 6 as partner in High Street practice
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Just a question on loft conversion in the UK. I have a

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Just a question on loft conversion in the UK.

I have a builder who is ready to start work on the loft. I dont think he is insured. However, he is good at his work and has come highly recommended by others. I have also seen other high quality finished lofts he has done. Please let me know if there are any legal implications that i might be liable for? EG: scaffolding falling on a neighbours car or others? I understand that the builder subcontracts to other builders for various items like scaffold and so on (so i guess they might be insured for that?)
Have you asked him the question or for his insurance?
Customer: replied 3 years ago.

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 house
and he has no insurance and has no assets, whoever is injured will look to you
and claim that he is working as your agent. Whilst it is no means settled that
the claim would succeed against you, you would still have to deal with it.

It doesn't matter whether he has subcontractors
who have their own insurers or not, he should have his own insurance because he
is vicariously liable for the conduct of those people who work for him or under
him including subcontractors.

The reason I say that he is an idiot for not
having insurance is that it costs hundreds of pounds, not thousands of pounds.

I appreciate that he may be a good tradesmen but
he would not be working on my house. That decision of course is yours because
now you know the implications.

Customer: replied 3 years ago.

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 I
think unlikely) he is faced with getting it himself and they will do insurance
for him.

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