PL insurance for a freelance climber/arborist??

[daltontrees]

Totally separate from the PL issues, why would you pay for Employer's Liability insurance if you were freelancing?

 

I agree with Kenty. You might not need EL if you only freelance, but it's great to have it there for those occasional days when you are the boss and have someone in doing groundy for you.

[felixthelogchopper]

I agree with Kenty. You might not need EL if you only freelance, but it's great to have it there for those occasional days when you are the boss and have someone in doing groundy for you.

 

It's great to have hired-in plant insurance as well but you don't need that or Employer's Liability when you are free-lancing, which is what Kenty referred to. The thread title is 'PL insurance for a freelance climber/arborist', not 'how many different types of insurance might I need to cover every eventuality?'.

[daltontrees]

I know, but I came over from another thread where the wider question was being debated. All I am now saying is that if anyone is in any doubt (and there is some doubt) about whether freelance climbers are LOS or BFS and are therefore covered or not covered by employers' policies, PL insurance is the safe bet and can easily be justified if you are doing the odd homer for which you need it anyway.

 

I've made my mind up anyway.

[CJM]

I don't think it's complicated at all, if you get a freelance climber in for a day you've employed him for 1 day he's a labor only contractor as he's 1 man with a small amount of tools working under direction and they'll be working under your insurance. If you hire in a company who's going to carry out work with out your involvement then he/they are a bonafide sub contractors and they'll need to hold the relevant insurances

 

I think people think to much into things and start to get their knickers in a twist about things. Clear your head and start over it's not complicated at all

[treequip]

I don't think it's complicated at all, if you get a freelance climber in for a day you've employed him for 1 day he's a labor only contractor as he's 1 man with a small amount of tools working under direction and they'll be working under your insurance. If you hire in a company who's going to carry out work with out your involvement then he/they are a bonafide sub contractors and they'll need to hold the relevant insurances

 

I think people think to much into things and start to get their knickers in a twist about things. Clear your head and start over it's not complicated at all

 

What he said:thumbup1:

[daltontrees]

I don't think it's complicated at all, if you get a freelance climber in for a day you've employed him for 1 day he's a labor only contractor as he's 1 man with a small amount of tools working under direction and they'll be working under your insurance. If you hire in a company who's going to carry out work with out your involvement then he/they are a bonafide sub contractors and they'll need to hold the relevant insurances

 

I think people think to much into things and start to get their knickers in a twist about things. Clear your head and start over it's not complicated at all

 

Are you referring to me? My knickers are currently perfectly straight. I've thought about it and read about it and looked at my policy and liaised with brokers and know what the answer is. If I've got it wrokng I will be punished by having wasted £250 of my £60k turnover on unnecessary insurance. If i've got it right I won't lose my house if someone gets killed.

[CJM]

Are you referring to me? My knickers are currently perfectly straight. I've thought about it and read about it and looked at my policy and liaised with brokers and know what the answer is. If I've got it wrokng I will be punished by having wasted £250 of my £60k turnover on unnecessary insurance. If i've got it right I won't lose my house if someone gets killed.

 

Haha no it wasn't aimed at you