Ron.M -> RE: gigin (Apr. 30 2004 8:07:07)
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As a general rule here in the UK, anybody who does any kind of work for any business or individual on a self employed basis should carry Public Liability insurance cover. P.A.T testing is basic safety testing of electrical equipment. Any electrical equipment used in a public place, ie office, hospital, retirement home etc etc must be regulary tested for basic safety.You cannot, for instance bring a ropey old electrical extension box with frayed wires exposed and repaired by yourself with bits of insulation tape, into a restaurant and expect to plead innocence if a member of the public accidentally touches it and gets electrocuted. You will be in deep trouble. On the other hand, it's not expensive to get £1,000,000 of cover and you will have the insurance company's lawyers fighting your corner in the event of someone making a claim against you. Which is handy, since criminal charges could also be brought against you, which means you could possibly face a jail sentence. With no insurance, a successful claim against you by a restaurant staff member or member of the public could see you losing your house, car and any savings you may have. BTW, they can't take your guitar, because under an archaic law, they must leave you with "the tools of your Trade". Liability cases are becoming popular here and there is a story of a woman suing her friend and host at a posh London dinner party because her chair broke and she claims that she now has a bad back. That's the London set for you! LOL! Ron
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