public liability as a subby

[Peter]

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.

[Mark Bolam]

True guys, but I was more thinking of work-related, which, lets face it, is the most likely way you would be injured.

 

God knows what the delay for any payment would be, as you have pointed out.

 

Stay safe!

[AA Teccie (Paul)]

'Belt and braces'...secure a contract / terms of engagement, in writing and signed by both parties (and you have a copy) which clearly states you are working under the 'main contractors' EL & PL effectively as an employee.

 

Cheers..

Paul

Edited March 2, 2011 by AA Teccie (Paul)

[Simply_Business]

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