Self Employment

[Rupe]

Yes, the answer is no.

 

I'm prepared to be wrong, as usual, but so far the only reasons for havign PL (as a self employed climber) are to satisfy the inland revenue and to get contracts for someone you work for occasionally. Not in order to actually be insured against any mishaps.

 

Am I the only one who thinks this is rediculous?

[tommer9]

If you work for somebody and their name is on the top of the job sheet, it doesnt make the slightest bit of difference if you have any insurance or not, as if you cause any sort of injury to persons or property then his insurance will cover it by law. The person you are working for has a 'duty of care' to you as his employee, even if you are only working for one day a year for him, as long as his name is on the top of the bill/quote/ job sheet. Its pretty black and white on that score.

[Rupe]

Well said that man!! Thats what I'm getting at!

[Rupe]

For the record I have PL and EL because I do my own work and occasionaly sub contract entire jobs. I cover any self employed climbers that work for me.

 

When I was just freelancing I never had any insurance and if some company couldn't get a contract because of it then tough and if the Inland revenue didn't like it then I would have crossed that bridge when it came. It didn't come so I'm glad I never gave any money to insurance companies.

 

Can anyone tell that I have distain for insurance comanies???????

[High Scale]

For the record I have PL and EL because I do my own work and occasionaly sub contract entire jobs. I cover any self employed climbers that work for me.

 

When I was just freelancing I never had any insurance and if some company couldn't get a contract because of it then tough and if the Inland revenue didn't like it then I would have crossed that bridge when it came. It didn't come so I'm glad I never gave any money to insurance companies.

 

Can anyone tell that I have distain for insurance comanies???????

 

Yup, I have PL and EL now but when I just subbed I had nothing but my personal income insurance.

[Khriss]

the tax office now offer a budjet plan where you can pay a set amount each month had a leaflet with my last tax bill

think you can find out more about it at

HM Revenue & Customs: Home Page

 

then under quick links select paying HMRC

 

Hmmm-don't like that-sounds like paye by stealth

[Highland Forestry]

Might also be worth mentioning that if you sub contract as a self employed climber, whoever you sub contract to should have EL cover in place (legal requirement) because if they don't and you have an accident you are screwed.

[Rupe]

You can't sub contract as a self employed climber! That doesn't make sense. You either sub contract the whole job as a seperate business (and have your own PL and EL) or you work as a self employed climber. Stop complicating the issue.