Dinky

Sorry should have added the following to your questions: From our experience: 1) Yes one policy covers all "jobs/trades". You will be given a long list of trade descriptions which you then try and decipher and tick the relevant boxes to what you want to do. 2) No. 3) Yes. 4) Yes. 5) What we found was if you asked about one then the other was automatically included. Did hear though that decinal insurance was not obligatory (from someone who attended the course and subject was covered). I think of the 2200,00 we pay 600,00 of it is for the Public Liability. 6) Yes, us. Just going back to offering lots of options to increase customers. I have listed the works my husband does and he is now booked until Sept 06. Again, hope this helps.  

Hi. Going back to the original post. We are inssured through Mutuelle de Poitiers. We have the Public Liability and Decinel insurance. The cost is 2200,00 euros pa. We (I say we but I mean my husband - entreprise individuelle) does: stud work, plasterboarding, plastering, tiling and "maconnerie" works. When he first started he considered offering lots more services but realised that he should just keep to small works as working alone without the help of a labourer is difficult. To get our insurance we had to transfer our house insurance (held previously with AXA) which was no great hardship as new policy was 300,00 euros pa cheeper. Also gave attestations from all previous employers (translated) saying that he was competent in the trades he was offering. Also gave an attestation from UK accountant saying that he (hubby) had run building firm before moving to France. And lastly gave attestation from UK insurance firm saying that he had held Public liability before with no claims. All the above attestations were needed because he has no formal qualifications, so I pressume if "papers" are shown all should be ok. Hope all this helps. P.S. I agree with the scum comment.