public liability as a subby

[mistahbenn]

If I was to go sub contracting to a large firm, would I as a sub contractor go on their PL Insurance?

 

Sorry if this is a stupid question

[Peter]

I feel I should wait for Rupe, since this is his favorite subject. Nevermind, just one question, what do you mean by sub contracting?

 

Working as part of one of their teams, or taking on whole jobs with your own kit, in your own time, and without direct supervision from the main contractor?

[mistahbenn]

Just as one of their teams, climbing, within the company.

[Peter]

Then legally you are exactly the same as any other employee, and are covered by the employer's insurances. (PL & EL)

 

If having your own insurance helps get you work, then that is of course a different matter.

[mistahbenn]

Thanks Peter, does that include personal insurance on the companies insurance?

[arbogrunt]

I'd get yourself some personal injury cover mate. When I work freelance climbing, I'm on the companies PL. I have my own PL/EL/PI for my own work only.

[Peter]

You mean personal accident insurance?

 

Depends on the terms of the policy I suppose, you would have to ask. If personal accident insurance is important to you then it would be wise to get your own though.

[Mark Bolam]

You would be covered legally by their EL insurance.

[mistahbenn]

Ok guys thanks very much for the input. Much appreciated

[Rupe]

You would be covered legally by their EL insurance.

 

I think that a tricky area. If you tripped over your bootlaces while on site would that be covered? Personal accident cover is probably worth having to cover yourself from everything in life not just work.

 

But the main thing here is the public liablity, and peter has summed up what I would have said perfectly. Your not really a subby your employed as a self employed person and therefore covered the same way as employees.

 

But what goes on while working abroad is whole different matter too!!