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public liability as a subby


mistahbenn
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You would be covered legally by their EL insurance.

 

Indeed, but only if you were injured through their negligence.

 

Even if it was their fault, there would still be a significant delay between the day you start being unable to work and when their insurance pays out, and would usually involve taking the firm to court.

 

If you get a decent personal injury policy, they will start paying out straight away, regardless of fault.

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As a sub contractor it can depend on the company you are contracting to.

 

I have Tradesmen ring me all the time who need their own PL to get paid sometimes if they haven't been asked to produce a certificate you may be covered under the companies PL and EL

 

In regards to Personal Accident we offer cover that is 24 Hour so it also covers you outside of work.

 

If you would more details let me know be happy to help

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