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dochisholm
hi everyone i have been told that personal indemnity insurance is a must for periodic testing any suggestions
Discuss insurance in the Australia area at ElectriciansForums.net
There are 2 schools of thought
1. A pir is a report, so as long as you follow standard practise (including noting any limitations etc) you will be covered by the fact that anyone suing you will have to take on the IEE / ESC etc.
2. You need Indemnity if you are giving advice- a PIR is a report only, not giving advice
If you watch that you are saying then you are ok
An example
A client told another electrician that I told her she needed a rewire- what I actually said was the council were rewiring houses round about hers. I made a point of telling her this and not that she need a rewire as it wasn't that bad.
Be careful what you say and how you say it
I would say yes it is really. As you are giving your expert opinion and if anything untoward happened after that, ie in a factory a production line went down to due an electrical service that you said was in good condition, and it failed, the company may if they were advised by another expert that it was a fault or a condition that should have been picked up by you, and was overlooked. Your PI would help you fight this.
Never had any in all the years I have been doing PIRs, waste of money!!
A PIR is just like an MOT, as Tony said, you are reporting on the condition of the installation. Baldy is right, what I do is to put down the reg number if any faults are found to back it up. Never say it needs arewire or something similar.
BTW, ever thought about the work you design? If you put in a new circuit, even a simple one, and something goes wrong, THEN you will need PI, as you are now deemed to have given advice by designing the circuit.
Steve.
Never had any in all the years I have been doing PIRs, waste of money!!
A PIR is just like an MOT, as Tony said, you are reporting on the condition of the installation. Baldy is right, what I do is to put down the reg number if any faults are found to back it up. Never say it needs arewire or something similar.
BTW, ever thought about the work you design? If you put in a new circuit, even a simple one, and something goes wrong, THEN you will need PI, as you are now deemed to have given advice by designing the circuit.
Steve.
Yes, I would strongly recommend that you obtain PI - Professional Indemnity insurance.
I too got my best quote from Trade Direct (which is through the Zurich) Also found out they automatically gave me £1000 worth of tools cover, which is good given that some of my equipment remains permanently scattered around a glen after my car accident
The combined policy of PL, PI, tools etc is abut £200 per year
so whats is public liability covering you for
Did a quote through Trade Direct and it is cheaper than my existing non PI policy
I had PI several years ago and it was over £500 for that alone
This quote came in at less than £180
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