Many Men’s Sheds offer a repair/fix-it service to members of the community to generate Shed funds however does the Shed’s insurance policy cover these items in the event of a problem (e.g. a faulty or defected item)?
Jason Schroeder, SMSA Chief Executive Officer, said: “One SMSA Shed member, that offers such a service, got in touch with us to highlight their recent dialogue with their insurance company. The provider was, rightly so, asking for more information on the Shed members that carry out the electrical repair work, their background and training and if they were aware of relevant changes in legislation and regulation in regards to this.
“We got in touch with our partner Greenwood Moreland who offers our Shed members discounted Shed insurance but also specialist guidance for all stages of the Shed journey and they advised us on their insurance on repaired second-hand goods (products liability) and on the term ‘competent person’. They highlight that in the case of Sheds, if a member has been repairing electrical goods for many years compared to an eighteen year old or younger then the latter would not be deemed as ‘competent’.”
Please see below for Greenwood Moreland insurers’ terms of liability:
| SECOND-HAND GOODS (PRODUCTS LIABILITY) We will pay all amounts which you become legally liable to pay as damages for liability arising from second-hand products. | Liability arising from the following second-hand products: a) gas appliances of any description b) any appliance containing or using flammable liquidsLiability arising from an agreement unless liability would have existed without the agreement.Liability arising from any electrical appliance, other than a battery-operated appliance, which has not been inspected or tested by a suitably competent person prior to leaving your custody. |
If your Shed carries out any repair work (electrical and/or non-electrical), please take the time to check your policy and call your insurance provider for a chat to ensure these items, and you, are covered.
If you are interested in receiving an insurance quote from Greenwood Moreland, please contact Elaine McGhee on 07954 700278 or email sheds@greenwoodmoreland.co.uk