Employers Liability Insurance For Sub -Contractors

[Tree Surgeon Insurance]

Recently we had an enquiry from somebody who was in ‘trouble’ with HSE over a minor accident. The guy did not have Employers Liability Insurance for his sub-contractors. It is with his solicitors at the moment but the simple fact is that his groundsman and other climber are not bonna -fide sub contractors. We could not offer cover because of the pending prosecution. We have banged on about this before but this story re-enforces the message. If you have self employed sub-contractors assisting you then it is extremely likely that you need to have Employers Liability Insurance. It makes no difference if they have their own cover. If it is your job then you’re in charge. And if you are in charge then you are in charge of everything including your sub-contractors and their safety. Make sure you have this cover and don’t listen to anybody who says you don’t need Employers Liability Insurance because they are self employed and they have their own insurance. They are wrong. If you want a guide on this please email [email protected] or call 01732 373864 for further information

[AA Teccie (Paul)]

This is why we make Employers Liability Insurance a 'condition' of ARB Approval regardless of how you engage your staff.

 

Cheers..

Paul

[CoversureMiddlesbrough]

This is why we make Employers Liability Insurance a 'condition' of ARB Approval regardless of how you engage your staff.

 

Cheers..

Paul

 

If it is the case that he has been employing people and considering them as sub-contractors in order to pay them cash in hand, then it highlights to the insurer there is a disregard for rules and procedures.

It also shows the lack of knowledge as a business owner and it would be this that would concern the insurer, with a claim it would make it unknown risk and would frighten most insurers from offering a quote.

 

It may be difficult to get a quote because of the claim, however not impossible, there are certain underwriters that may consider the risk.

 

Those insurers that may consider the risk would want to be assured that you have a health and safety policy in place, offer good training on the use of harnesses, lifting equipment and any other machinery.

 

The insurer that may offer a quote would also want full details of the claim, and if the details of the claim showed that there was a disregard for rules and procedures and in this case the law, then you would have to offer proof and paperwork with the quote presentation that the customer is now complying to the rules, laws and procedures.

 

Does the client have a site health and safety talk at the start of each day is his safety training logged.

 

Tree surgery is a high risk occupation and especially where employees are concerned and if he has been employing casuals and calling them sub contractors then he really needs to show he has changed his ways.

 

If he could supply you with the proof and paperwork to show a well run business with good health and safety procedures, i would try an insurer that can walk it into the Lloyds market, Thistle, CIG or even APC are some of the insurers I would approach, but the presentation needs to be good and correct

 

I Hope this helps.

 

Regards

Phil

[treequip]

If it is the case that he has been employing people and considering them as sub-contractors in order to pay them cash in hand, then it highlights to the insurer there is a disregard for rules and procedures......................

 

 

Phil

 

That's a bit of a leap, you clearly don't know much about this industry, if you did you would be aware that the AA approved scheme is as near to an industry benchmark as we have.

 

Where did you get the cash in hand thing from?????