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Insurance is no fun, especially as you'll need to speak to people directly to get quotes, but just get it. The last thing you need is someone suing you in the bad luck instance that a frame fails. There's no such thing as friends and family if you cripple someone and the blame/claim culture gets to them. Worth remembering that unless you're a registered business, any court action will be taken against you personally, so its not worth risking your home etc!
One of the first things we did was to take out public liability insurance. It's a huge chunk every year, but any framebuilder worth their shit has it because anything can happen. A bad batch of tubing etc...so it's not just covering your handiwork. Some customers will also want to know that you have insurance, it's just one of those things that separates a hobby from a business.
Admin is a chore. Insurance is pretty much the worst of it. That's why my other half has me do it all, so he can be in the workshop building, not arguing with insurance people on the phone about the difference between welding and brazing etc!
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RunRabbitRun
Anyone got insurance?
Third party liability type stuff?
As I’m starting to do things for people other than myself I’m thinking I should probably get something sorted but don’t really know where to start.