Employees liability

[Scott Walker]

Insurance renewal is due so getting a few quotes in, we only use subbies dont have anyone full time on the books we've always had employers liability in place.

one insurance company is telling me we dont need it! as we dont actually employ anyone as they are self employed subbies, surely if they are working for me i've employed them for the day or week so need Employers liability to cover them.

 

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Edited March 6, 2017 by Scott Walker

[Steve Bullman]

Yeah you need employers liability unless they are bonafide sub contractors.

[felixthelogchopper]

It's actually Employer's Liability (sorry to seem pedantic) and if the subbies (freelance labour) are working under your direction then yes you do.

[AA Teccie (Paul)]

Insurance renewal is due so getting a few quotes in, we only use subbies dont have anyone full time on the books we've always had employees liability in place.

one insurance company is telling me we dont need it! as we dont actually employ anyone as they are self employed subbies, surely if they are working for me i've employed them for the day or week so need Employees liability to cover them.

 

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The HSE have some guidance on this but, TBH, in many/most instances you can swing either way in terms of applicable or not. Hence as far as the AAAC scheme is concerned we've made it mandatory to cover both the employees, including self-employed people, and the employer.

 

Doubtless some will concur with the insurers view, as money to be saved, but I'd be very cautious here and probably insist they had personal accident cover at least.

 

Not surprisingly I'm in the "get it" camp

 

Cheers,

Paul

[Scott Walker]

My bad.

 

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[felixthelogchopper]

My bad.

 

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What's bad? You came on here and asked a question because you wanted to know the answer rather than winging it. Nothing bad about that.

[Scott Walker]

What's bad? You came on here and asked a question because you wanted to know the answer rather than winging it. Nothing bad about that.

With regards to employer's/employees mate.

Thanks for the input fellas dont think i'll be going with the insurance company that advised not to take out employer's liability 🙈🙈

 

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[felixthelogchopper]

With regards to employer's/employees mate.

Thanks for the input fellas dont think i'll be going with the insurance company that advised not to take out employer's liability 🙈🙈

 

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That's just a reflection on my OCD, not you.

[Scott Walker]

That's just a reflection on my OCD, not you.

Nothing wrong with abit of OCD my friend 👍

 

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[roseyweb]

Unless there bonafiide your still responsible for them the same as as employee, and with these über cases you might find yourself responsible for a lot more too,