Quote:"there aren't any Scheduled Monuments nearby, so don't worry about applying for Scheduled Monument Consent for your works"would have thought that you would have to be in the scheduled monument area and the developer/landowner would already know that it was scheduled. But I hear what your saying. Seems that if you are going to do predictive work professional indemnity might be necessary rather than reporting on field work. So things like desktop work, but it seems to me a dba is just extra information for the authorizing authorities, does it legally have to be correct?
Sounds like professional insurance more important than ifa membership. So these engineering companies want you to be insured so that they might sue you rather than them taking out insurance for delays due to unforeseen archaeology. I could imagine that the insurance for delaying a large scheme for just one day would be massive, I doubt that any archaeology unit could get insured for that. Surely the archaeologists should write a whole load of contingencies in the contract.
So how would the professional insurance work,
would it be for specific job or per year,
what happens if you do the advice in one year and then get sued in the next.
Have gone through charity pages looking at what the big boys pay for insurance get figures of ? 4,974, through to ?18000 but with no breakdown as to what type. Some of the smaller units seem to pay more but I expect a lot is for public liability like Open days (so you dig the stuff up and then you have to pay for the privilege of showing the site off)
found this site and it includes archaeologist!
https://secure.professionalinsuranceagents.co.uk/index.php
Put in 15000 turnover, I got provisional prices between ?230-?650 to buy a million ? indemnity I suppose you could look at it as about 2% of turnover which I suppose is a legit expense for tax, and easy profit for "Names"