Hello, my name is***** am a qualified lawyer and I will be assisting you with your question today.
How long ago did the issue arise and how long ago did your son complete the work?
OK thank you, ***** ***** it with me. I am in court today so will prepare my advice in a while and get back to you at the earliest opportunity. There is no need to wait here as you will receive an email when I have responded. Thank you.
No problem at all
Many thanks for your patience. Whether he can claim through the previous insurance policy will very much depend on the terms of such policy and whether it allows for retrospective claims. The main concern here is that if the policy has ceased to be in existence after he changed trading entities, it will no longer consider any claims, even if they relate to issue which had occurred at the time the policy was valid. With most policies you would have to have a current and live policy to be able to claim but some do allow for retrospective claims if they arise as a result of anything that had occurred at the time the policy was valid. However, as mentioned this would depend entirely on the terms of the policy so what he would have to do now is check these terms (it may have to come down to him contacting the insurer to ask for the terms or ask if this is a possibility they would cover for) and take it from there. In the event that the policy would not cover him then he may be personally responsible for this (assuming that he does admit liability) as his sole trader status means he would have personal responsibility.
I hope this has answered your query. I would be grateful if you could please take a second to leave a positive rating (3, 4 or 5 stars) as that is an important part of our process and recognises the time I have spent assisting you. If you need me to clarify anything before you go - please get back to me on here and I will assist further as best as I can. Thank you
You are most welcome