Insurance bods out there.

[Mesterh]

Since the odd insurance question pops up now and then I was wondering(hoping) that someone who is in the arb insurance game could post on here to give us some definite facts of what is required.

 

 

This thread is not to discuss the pro's con's of cover or to have a go at any insurance companies but to just make a few things a bit clearer

 

 

So anyone out there fancy answering a few questions?

[dillsue]

http://www.hse.gov.uk/pubns/hse40.pdf

 

The link above will clarify the empolyers liability situation which seems to cause a lot of confusion at times!!!

[skyhuck]

http://www.hse.gov.uk/pubns/hse40.pdf

 

The link above will clarify the empolyers liability situation which seems to cause a lot of confusion at times!!!

 

In reality EL is very straight forward.

 

The real big question, IMO, is whether none complacence to rules and regs means they refuse to payout or payout and then come after you for a refund.

 

Speeding motorists get paid out and they are hardly playing by the rules.

[dillsue]

EL may be straight forward for you, but theres lots of others that are mixed up about it!!

[Dean Lofthouse]

Speeding motorists get paid out and they are hardly playing by the rules.

 

:congrats:

[Dean Lofthouse]

EL may be straight forward for you, but theres lots of others that are mixed up about it!!

 

If you employ someone you need it, it's the definition of "employ" you may find confusing

[skyhuck]

EL may be straight forward for you, but theres lots of others that are mixed up about it!!

 

I think people are only mixed up when they are trying to find a way round it.

 

I've had EL for 15 years and NEVER had ONE employee.

[dillsue]

If you employ someone you need it, it's the definition of "employ" you may find confusing

 

Spot on Dean, but lots of people think using a subby falls under the "employing someone" banner which is not necessarily the case and never the case if its a true subby.

[skyhuck]

Spot on Dean, but lots of people think using a subby falls under the "employing someone" banner which is not necessarily the case and never the case if its a true subby.

 

If you are with them, tell them what to do and make more than them they are NOT a subie.

 

If they look at the job, give you a price and do it them selfs they are.

 

Its not that tricky.

[dillsue]

If you are with them, tell them what to do and make more than them they are NOT a subie.

 

If they look at the job, give you a price and do it them selfs they are.

 

Its not that tricky.

 

The fact that they are with you and how much they make are not relevant!! I would like to think that anyone engaging a subby will make more than them on the job but that doesnt make the subby not a subby!!

 

The "telling them what to do" is nearer the mark. The test is whether you have the "right of control" over what they do in the "contract", whether that be a contract of employment or a contract for services. If you have the right of control then they are in your employ, if you dont have the right of control then they are not in your employ.