looking at going freelance. advice needed...

[Frankie Lawrence]

I was under the impression that to freelance (subcontract), you needed to have your own pl insurance regardless of companies own insurances, pl/el etc.

 

I thought P/L covers subbies/freelancers anyway:confused1:

[Rupe]

While this is up whats the difference between a sub contracter and free lancer?

 

is it that the sub contracter is another hwole company and a free lancer is just one bloke?

 

Yes that pretty much it. Problem is that freelancers call themselves subbies or sub contractors and insurance companies will take their money if they are saying they are a sub contractor.

[Rupe]

I was under the impression that to freelance (subcontract), you needed to have your own pl insurance regardless of companies own insurances, pl/el etc.

 

No, freelancing is not sub contracting. Its 2 seperate things. I think on here the word "subbie" gets used for a freelancer but it really is not the same thing at all.

 

Frank, if my Unlce lived near you I might sub contract any work at his house to you and you would need insurance.

 

If I drove up there and you joined me for the day as a freelance helper (climber or otherwise) then you would not need insurance.

 

If you dropped something on his house and broke it then its my mistake for gettign you in and not supervising, my insurance must cover that mistake that I made!!

[High Scale]

Good luck, the freelancers that I use are mostly busy all the time, in fact it can be hard sometimes to book them in, If you are any good you should be able to keep busy.

[Rupe]

I do think there is a problem though, whne an experienced climber works for an in experienced firm. Wherby the boss or person in charge of the firm doesn't have the skills to ssupervise the climber during difficult work situations. i.e. the climber is now runnign the show!!

 

In this case avoid working for companies like that, your only making them look good if it all goes well. And if you can't avoid it, definatly don't take out insurance to help them out as well!!

[High Scale]

No, freelancing is not sub contracting. Its 2 seperate things. I think on here the word "subbie" gets used for a freelancer but it really is not the same thing at all.

 

Frank, if my Unlce lived near you I might sub contract any work at his house to you and you would need insurance.

 

If I drove up there and you joined me for the day as a freelance helper (climber or otherwise) then you would not need insurance.

 

If you dropped something on his house and broke it then its my mistake for gettign you in and not supervising, my insurance must cover that mistake that I made!!

 

 

Yep, climber last week dropped a branch on a car bonnet after a women drove straight under the tree despite the traffic lights, signs, cones, etc, still my fault though as it is my contract.

[Frank]

I thought P/L covers subbies/freelancers anyway:confused1:

 

No employers liability covers sub contractors aslong as It specifies bonafide sun contractors?????????? I think.

[Frank]

No, freelancing is not sub contracting. Its 2 seperate things. I think on here the word "subbie" gets used for a freelancer but it really is not the same thing at all.

 

Frank, if my Unlce lived near you I might sub contract any work at his house to you and you would need insurance.

 

If I drove up there and you joined me for the day as a freelance helper (climber or otherwise) then you would not need insurance.

 

If you dropped something on his house and broke it then its my mistake for gettign you in and not supervising, my insurance must cover that mistake that I made!!

So basically if I didn't quote for or do any of my own jobs and only went and climbed for other firms then I wouldn't need PL or EL insurance. Just some sort of tool cover?

[Rupe]

Yep, climber last week dropped a branch on a car bonnet after a women drove straight under the tree despite the traffic lights, signs, cones, etc, still my fault though as it is my contract.

 

 

Good for you! Take it like the man you are! Excpept it was clearly the womans fault. It syour job to sort it out not the climbers, but does sound like you should just laugh at her, and do some pointing as well!!

[Frankie Lawrence]

Yep, climber last week dropped a branch on a car bonnet after a women drove straight under the tree despite the traffic lights, signs, cones, etc, still my fault though as it is my contract.

 

Would her car insurance not cover that as you done all that was neccasary sureley?