public liability or employers liability

[not for sale sorry]

I am just about to take on my first person but they will be self employed, how does it work with insurance? do i need just employers ordo i need both ??

[felixthelogchopper]

Legally, you only need Employer's Liability. There is no legal obligation to have Public Liability insurance.

[not for sale sorry]

Legally, you only need Employer's Liability. There is no legal obligation to have Public Liability insurance.

 

But what happens if a customer was to make a claim is that coverd by the employers liability?

[felixthelogchopper]

But what happens if a customer was to make a claim is that coverd by the employers liability?

 

They can't. Employer's Liability will only pay out to employees.

[skyhuck]

But what happens if a customer was to make a claim is that coverd by the employers liability?

 

You would be liable and they could sue you for all you have and more, thats why most of us have PLI.

[not for sale sorry]

You would be liable and they could sue you for all you have and more, thats why most of us have PLI.

 

So I need both then i take it

Edited August 26, 2012 by not for sale sorry
spelling

[felixthelogchopper]

You would be liable and they could sue you for all you have and more, thats why most of us have PLI.

 

You wouldn't be liable via your Employer's Liability, but if it was something the employee did wrong then, as Dave said, you would be liable under Public Liability insurance. While it's not a legal requirement to have PL insurance, it is a good idea to have it.

[skyhuck]

You wouldn't be liable via your Employer's Liability,

 

Did I mention ELI???

 

Some one claims against you or your company its down to you to have the relevant insurance to cover any claim, be that EL,PL,PI or motor insurance.

 

If you are a multimillionaire you require no insurance, as you are able to cover any claim personally.

[felixthelogchopper]

Did I mention ELI???

 

Some one claims against you or your company its down to you to have the relevant insurance to cover any claim, be that EL,PL,PI or motor insurance.

 

If you are a multimillionaire you require no insurance, as you are able to cover any claim personally.

 

Easy, tiger! The OP's question was referring to his liability under Employer's Liability and I was clarifying where his liability would lay. Employer's Liability insurance would be as much use as tits on a fish in the event of a customer making a claim.

By the way, even if you were a multimillionaire, you are still legally obliged as an employer to have Employer's Liability cover.

Edited August 26, 2012 by felixthelogchopper
Forgot a bit.

[likeitorlumpit]

Easy, tiger! The OP's question was referring to his liability under Employer's Liability and I was clarifying where his liability would lay. Employer's Liability insurance would be as much use as tits on a fish in the event of a customer making a claim.

By the way, even if you were a multimillionaire, you are still legally obliged as an employer to have Employer's Liability cover.

 

Quite right

And keep the details for 40 years so any claim relating to aged issues have a timeline.

BTW- the government don't have any insurance on vehicles etc I was once told- they become their own insurance company.