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What Insurance Does A Painter Need?

As a painter, you’re most likely going to require three forms of insurance which includes public liability, income protection as well as tool insurance. However, you should take note that outside these three, there are also several other forms of insurance whose relevance will only be determined by the nature of your business. Now let’s take a closer look into the three most important forms of insurance for painters.

✓ Public liability. What’s surprising here is the fact that many painters are actually aware that they should have a public liability insurance, but only a few really knows what it actually covers. Essentially, what a public liability insurance does is to protect you in the event whereby you messed up and some else suffers a loss as a result of your actions. Third parties can suffer a property damage or personal injury as a result of your negligence. It does not in any way cover the damages to your own property or injuries suffered by you or your staff.

✓ Income protection. As a subcontractor or self employed painter, you’ll be in the best position to know that if you don’t work, there’ll be no money for you. And with no sick leave and possibly no workers’ compensation, then financial problem looms. But not to worry, you can protect yourself from this risk by getting an income protection insurance.

✓ Tool insurance. It’s always a terrible feeling when you go to the site only to discover your tools such as ladders, spray guns, trestles and equipment are suddenly no where to be found. Upon discovery of this situation, you’ll start thinking about the cost of replacing all the tools. With a tool insurance, you can be protected against these sort of situations whereby your tools are stolen, damaged and lots more.

A combination boiler, also referred to as a “combi boiler, delivers both domestic hot water and space heating in a single package so as to save space, and in a lot of cases, money. These great features makes the appliance a very popular choice in UK homes and in fact, it represents more than 50 percent of all new boilers fitted in the UK on a yearly basis.

Most modern and high efficiency combi boilers are usually stainless steel condensing boilers which normally features an in-built secondary heat exchanger to deliver domestic hot water to a home or property. What’s more? When it comes to the heating season or the cold months, the combi boiler will operated as required to heat a structure and offer hot water for showers, sinks as well as other hot water appliances around the house. And when it gets to the warm season or summer months, the combi boiler will only work when there’s a need for domestic hot water which also helps you save more money.

Combi boilers are able to provide domestic hot water in such a way that’s energy efficient due to two primary reasons - the combi units possess a very high operating efficiency and also have a low internal water volume. As a result, in during the hot summer when space heating is not required, you’ll only have to pay to heat up the hot water that you really need and not an entire tank.

Combi boilers also have the following benefits:

✓ Lower costs. Due to the combined nature of the boiler and the lack of tank in the roof space, the installation time and costs are at a minimum.

✓ Saves space in your home as it effectively combines a central heating boiler with a water heater into one unit.

Artex was originally made using white asbestos to make it stronger. However, this stopped in the mid-1980s, and the use of asbestos was banned in the UK in 1999, due to its extreme health risks. So, any artex you buy today won’t contain asbestos.

If you have an artex ceiling or wall that was created before 1999, it may have asbestos in it. This won’t be a health hazard if you leave it undisturbed, so it’s not necessary to remove it. However, if you want to get rid of or alter your artex ceiling or wall, you must get it tested to check if it has asbestos in or not first. If it does, you’ll need to hire a qualified professional to work on it.

If your existing roof is still in good condition but the membrane is getting old, it’s often not worth exposing the structure to the weather whilst the contractor strips off the old membranes. The contractor will leave them in place to act as a base layer for a new roofing system. As long as there are no other problems with your roof, then overlaying is a good way to replace your flat roof.If you have any more questions about flat roofing that aren’t listed here, fill out our form to ask a contractor.

Paving comes in a wide range of colours and patterns. Consider using a contrasting colour for the edges of your patio or driveway for a tidy effect. A paving specialist can advise you on different combinations possible, alternatively, have a look online at what products, shapes and colours are produced.

If you have a conservatory constructed on your property, then you should be able to to tell how uncomfortable it can get considering the UK’s harsh climate. This climate can get swelteringly hot during the summer months and also quite chilly during the winter months. As a result of being constructed with so many plain glass, conservatories are usually at the mercy of the weather outside which often limits the usage of the structure to only a few months within the year. Hence, the need to have an air conditioning system installed by a reliable professional so as to ensure you enjoy your conservatory all year round. In this post, we’re going to consider some of the benefits you stand to derive by hiring experts to install your conservatory’s air conditioning.

• They possess the experience, skills and tools necessary to complete the project. When the construction job done right the first time, this will go a long way to save you both time and money on potential costly mistakes if you decide to undertake the project yourself.
• They can help keep your project on budget. When it comes to fitting appliances like AC systems, it’s usually very easy to go over your budget when done alone. Since expert conservatory air conditioning installers are vastly experienced in the field, they know the cost implication for the task and can help ensure you don’t overspend or go over your budget.
• They’re insured. The benefit of hiring an insured professional can’t be overstated. What this gives you is total peace of mind knowing fully well if anything goes wrong during the installation process, you’re fully covered by the expert’s insurance company.

Scaffolding, also known as scaffold or staging, is an impermanent construction used to provide sustenance to a work crew and materials to help in the erection, upkeep and mending of structures, bridges and all other man-made constructions. Scaffolds are extensively used on site to get access to altitudes and parts that would be otherwise hard to get to. Hazardous scaffolding has the potential to result in demise or serious accidents. Another major use of scaffolding is in modified methods for formwork and shoring, concert stages, grandstand seating, access/viewing towers, ski ramps and art projects.

There are five main types of scaffolding today. These are Tube and Coupler (fitting) components, manufactured segmental system scaffold apparatuses, H-frame / facade modular system scaffolds, timber scaffolds and bamboo scaffolds.

Each type is made from numerous components which every so often include:

• A base plate or jack: It acts as the scaffold’s load-bearing base.

• The upright component with its connector joins.

• The ledger: The horizontal brace.

• The transom: It is a horizontal load-bearing component which helps to hold the batten or the decking unit.

• The brace diagonal.

• Cross-section bracing component

• The batten or the board decking component: On which the working platform is made.

• The coupler: A fitting which joins components together.

• The scaffold tie: It is used to tie in the scaffold to structures.

• The Brackets: It is used to extend the width of working platforms.

Particular machinery used to support in their usage as a provisional edifice often comprises of heavy-duty weight-bearing transoms, ladders or stairway units for the ingress and egress of the scaffold, beams ladder/unit types used to span obstacles and rubbish chutes used to eliminate undesirable constituents from the scaffold or construction development.

The European Standard, BS EN 12811-1, stipulates performance necessities and procedures of physical and universal design for access and working scaffolds. Requirements specified are for scaffold constructions that depend on the adjacent erections for steadiness.

Before the commencement of any project, it’s always best to get an estimation of the cost. However, determining the cost of an external solid wall insulation is not the easiest of tasks as it relies on varying components such as the insulation materials to be used, labour cost and installation as well as the type of decorative finish to be incorporated. And depending on your choice of insulation material, some may need some adhesives while others may require some fixings which also contributes to the differences in price. As a result, the determination of the material cost alone can be tricky and even more so when various materials cover varying areas.

With that in mind, the cost of external solid wall insulation generally ranges between £80 to £100 per square metre2. As a result, a small flat can cost from £6000 to £9000 whereas a large detached house can have a price ranging between £21000 to £23000. To earn back your investment in terms of energy bill savings can take a couple of years, but it’s surely worth the try as there are several other benefits associated with installing an external solid wall insulation system. What’s more? Another huge factor that can influence the cost of your system is also the amount of work that’s required, how easy it is to be accessed by the installers and lots more

If you’re looking to cut down on the cost of your external solid wall insulation, then the best time for an installation might just be when you’re having another decorating or building project done such as fitting a new roof, window painting, installation of solar PV panels and more. This way, you’ll be able to spread the cost and have a greater value for each penny expended.