I certainly do have public liabilty, never used it but it's in place.
This is what happens in bullet points.
Customer accepts my estimate.
Start work, remove old suite and tiles
Walls need plastering, I'd informed the customer before hand, they said they didn't feel it was needed.
I amend the pipework, waiting for them to make final choices for a radiator before pipework finished.
Meant to finish pipework but had an accident in my van a week earlier, have to pick it up from garage (customer aware of accident).
Phone customer and explain that insted of Friday I'll be there on Monday. This is agreed, job not held up as tiler is in on the Tuesday.
Get a call from the husband on Friday night (9pm) asking why I hadn't been there. Explain situation, told I must be there on Monday.
He calls 10 minutes later daying he's got someone else, I'm effectively sacked with job left halfway carried out.
New plumber come in on a Sunday and does work I was meant to do on the following day, my work was to test, clip and brossbond pipework, re-lay floorboards and fit bath.
Plumber fits bathroom after tiling.
Customer has leak about a month later, he makes no attempt to contact me so I know nothing of it.
After invoicing and sending a reminder I sue for money owed. He counter sues claiming I'm at fault.
That's it in a nut shell.
Mark