Anybody out there set up a business on their own?

[Jontreasure]

Can you please elaborate on that? If your working freelance then you should be covered by your employers EL.

 

Yes your right rich, you should be covered be your employers EL insurance. However to be genuinely self employed subcontractor you should be making decisions about the work and could be considered liable if an incident where to occur. Also if for some reason their EL insurance does not cover me I have my own to fall back on.

 

I need it for my own work as well and it will help if the inland revenue tried to argue that I was in fact employed not self-self-employed. (a fine line when it comes to sub-contracting).

 

However I know a fair number of subbys who don't carry PL on the same basis as you highlighted and I'll be honest and say when I first went self-employed I was the same.

 

After all its a lot of money particularly if your working for someone and are covered by their insurance.

 

If anyone disagrees with the above please say. I'm not stating facts and would be interested to hear the arguments.

[gibbon]

Yes your right rich, you should be covered be your employers EL insurance. However to be genuinely self employed subcontractor you should be making decisions about the work and could be considered liable if an incident where to occur. Also if for some reason their EL insurance does not cover me I have my own to fall back on.

 

I need it for my own work as well and it will help if the inland revenue tried to argue that I was in fact employed not self-self-employed. (a fine line when it comes to sub-contracting).

 

However I know a fair number of subbys who don't carry PL on the same basis as you highlighted and I'll be honest and say when I first went self-employed I was the same.

 

After all its a lot of money particularly if your working for someone and are covered by their insurance.

 

If anyone disagrees with the above please say. I'm not stating facts and would be interested to hear the arguments.

 

I agree. If your with a decent firm then you'll be covered by thiers. When I did free lance climbing I worked for some proper tools who either didn't have insurance or would have been happy to hang me out to dry if something had gone wrong. I took out PL from the start.