Freelance day rates

[MAPLE LEAF]

Just reading the prices for freelance day rates would you expect the climbers to have their own insurance or cover them on yours.

[Rupe]

Freelancers don't need insurance, they are covered by the company/person they are workign for.

 

Only Bona fide subcontractors require insurance but that is a whole different ballgame, as they would also be supplying further employees etc.

[MAPLE LEAF]

Thanks for that.i get in extra help when i need but my insurance only covers for me and my 1 member of staff so i was told to get subcontracters cover to cover for the extra person but i had to check he was insured incase he damaged anything or anybody whilst working for me so if they claimed off me i claim off his insurance he brings all his own equipment and i pay him for what he does would you class him as freelance or subcontractor and if he is subcontractor is there anything else i should do to cover myself.if he is freelance should i adjust my insuance.

[Rich Rule]

Thanks for that.i get in extra help when i need but my insurance only covers for me and my 1 member of staff so i was told to get subcontracters cover to cover for the extra person but i had to check he was insured incase he damaged anything or anybody whilst working for me so if they claimed off me i claim off his insurance he brings all his own equipment and i pay him for what he does would you class him as freelance or subcontractor and if he is subcontractor is there anything else i should do to cover myself.if he is freelance should i adjust my insuance.

 

My understanding is the scenario described above is the guy is freelance. therefore, on your insurance.

[MAPLE LEAF]

Should i check with my insurance to see if he is covered god forbid him having a accident and insurance trying to wriggle out of it

[Rupe]

Lets say you quoted for a job, and you get it and you are insured to do it. Then you get your guy in to help you and he screws up and damages something.

 

YOU have screwed up and damaged something. You can't say, your mate did it. You are doign the job if your name is on the quote then its your insurance. You can be sat in the office if you want but you still screwed up on that job, and you take responsibilty for whatever happens and whoever does what. You can't then claim on there insurance.

 

If your insurance literally does only cover you plus one named employee then I would be wary of getting someone else in, but them having thier own insurance won't help, they can walk away. Its you thats doing the job for the client.

 

Now if you genuinly are usign this guy as a subcontractor then thats is where the insurance company is saying that he must be insured, but in the example you give he's working for you. Own tools means nothing, fixed price for job doesn't mean alot either. If you (or your one employee) are grounding for this guy then you can't balme him when he drop a limb on the house. You are still in charge.

 

And, if he drops a limb on the house after you repeatedly told him to do it a different way then it is still your fault for getting him in in the first place.