Insurance

[Blakes 7]

Dean you are right that everyone should be insured, but the subbie may not be ultimately responsible.

For example:

If a subbie doing a job for a main contractor has an accident and damages the clients building, the main contractor is vicariously liable (tort).

The client will look to be reimbursed by the main contractor, if there is a dispute then a civil case may be brought by the client.

If the main contractor looses then his PL will pay.The main contractor or his insurance co may then try to recover the award from the subbie, by bringing a civil case against them.

The outcomes of the civil cases will be based "On the balance of probabilities". The judge will look at evidence, such as H&S policy, compliance etc.

[Dean Lofthouse]

I understand what your saying Blakes.

 

It boils down to whatever insurance company it is trying to find blame elsewhere and body swerve a payout

 

 

 

I've just managed to get 10m EL, 2.5M PL and 10K tool insurance for £1088, cheap I thought