employers liability insurance

[markieg31]

last year i had subbies working for me a handfull of times. i want to get employers liability, is it going to be worth the extra cost for the handful of times i use subbies??

 

obviously if a subby put a tree through someones roof i would be saying i wish i had EL.

[likeitorlumpit]

last year i had subbies working for me a handfull of times. i want to get employers liability, is it going to be worth the extra cost for the handful of times i use subbies??

 

obviously if a subby put a tree through someones roof i would be saying i wish i had EL.

 

If a subbie did that, you'd need public liability

I think you've answered your own question though- get covered- gives you peace of mind- well 95%

[Hodge]

You should have EL, you can get it that covers Sub contractors and labour only contractors. They should have Pl as well as you. Give Cameron a call at Trust Insurance 01604 492644.

[markieg31]

i have public liability and pretty much all the subbies i use are people i have known for a long time so hopefully we wouldnt end up with the tree on house.

[Paul Cleaver]

if your doing subcontracting work - some companies insist you having employers liability insurance

[skyhuck]

last year i had subbies working for me a handfull of times. i want to get employers liability, is it going to be worth the extra cost for the handful of times i use subbies??

 

obviously if a subby put a tree through someones roof i would be saying i wish i had EL.

 

Do you work alone normally??

[Steve Bullman]

last year i had subbies working for me a handfull of times. i want to get employers liability, is it going to be worth the extra cost for the handful of times i use subbies??

 

obviously if a subby put a tree through someones roof i would be saying i wish i had EL.

 

Employers liability won't cover the damage a subbie does to someones property, thats what your public liability takes care of.

 

Employers liability covers them personally in the event they have an accident whilst in your employment.

 

Public liability isn't a legal requirement....employers liability is...so the answer to your question is yes, you need it, even if you are only employing someone for 1 day a year.

[Mark Bolam]

Or if you have a groundie.

[Arborisk Team]

last year i had subbies working for me a handfull of times. i want to get employers liability, is it going to be worth the extra cost for the handful of times i use subbies??

 

obviously if a subby put a tree through someones roof i would be saying i wish i had EL.

 

Hi Mark

 

If you are looking to get an idea of costs for EL cover we'd be more than happy to give you a quote.

 

Jessica

Arborisk.co.uk

0113 259 3560

[Steve Lewis]

Morning Mark

 

Most Public Liability policies on the market will automatically cover the acts of sub-contractors working for you but would suggest that they also have their own insurance so that you don't have to deal with claims arising from their mistakes.

 

Additionally it should be noted that any person you engage in this capacity will be working under your control or supervision and it is highly likely that you will be liable for any injury or illness that might occur, in the course of their duties. We strongly recommend that you arrange compulsory Employers’ Liability insurance to cover your liability for injury to such persons.

 

In the event of an accident, and failure to arrange Employers’ Liability cover where an employer/employee relationship exists you may be exposed to deal with substantial claims from employees for compensation yourself. You may also face prosecution under the Health and Safety legislation for non-compliance with the Employers’ Liability (Compulsory) Insurance Act 1969.