After months of trying to find a landscaper to replant, rebuild and generally improve our garden I have found an enthusiastic and responsible young man, recently quaified in horticuture and landscaping. He has come up with innovative and well priced options, is always punctual and his quotes seem fair and reasonable.
My only reservation about offering him the work is that he has, as yet, no insurance cover - the premiums are beyond him and, so far, he has worked on only small projects. I would love to give him an opportunity but am I being foolhardy, knowing he has no insurance cover? The work is minor, involves no ladders or heavy equipment, only power tools, some paving an d digging.
My concern is as much for his wellbeing as for our own risk.