Employing the odd labourer

[theflyingscotsman]

Again, agree with Kentjames here, quotes look VERY cheap..

 

Employers Liability is required by law by every business in Britain if you even have a sniff at remotely employing someone. It is the law.

 

My original quote from Trust insurance was around £300 a year for just myself to do ANY tree work as long as my feet where on the ground. Some work at under 5meters up was allowed for hedge cutting etc..

 

My entire business/van/plant insurance tops around the £2600 mark...

 

Although both PL and EL is based on turnover so the more you earn they're SOME companies want..

[kentjames]

Another point - those quotes are only for £1m cover, most people expect £5m and further more £1m doesn't cover most possible outcomes? Depends on your target market also i guess??

[Stubby]

I miss read your title ...was about to jump up thinking it was " Employing an old labourer "

[Wood wasp]

I miss read your title ...was about to jump up thinking it was " Employing an old labourer "

 

 

Why, were you thinking of applying?!

[Stubby]

Why, were you thinking of applying?!

 

Mmmmm

[oakum]

The height I after agree with, I have not had time to read each of the polices, they have all been emailed to me today.

Do the quotes look reasonable.

 

Don't know what sort of work you're doing Tony but should you start getting work from bigger organisations you will need minimum 5 millon PL sometimes more

 

Steve

[devon TWiG]

If you are responsible for the workers health and safety, and you run the site then you need employers liability insurance for any labour, casual or permanent.

 

!

If you are deemed responsible for the workers H&S where does this place you in provision of PPE, climbing gear , qualifications etc .... just a polite query !

[kentjames]

If you are deemed responsible for the workers H&S where does this place you in provision of PPE, climbing gear , qualifications etc .... just a polite query !

 

One would assume they would view it as your responsibility too?

 

Whilst everyone is responsible for Heath and Safety in general on a site if one person is organising the job then its down to them to ensure that:

 

All work at height is properly planned (Work At Height Regulations 2005), managed - MHSWR (Management of Health and Safety at Work Regulations) and that the correct equipment is used for the job - PUWER (Provision and Use of Work Equipment Regulations), and that their operatives are wearing PPE - (Personnel Protective Equipment Regulations). LOLER, COSHH, MHOR and noise all come into it too really.

 

If everyone is self employed from a tax perspective, the one person who organises / plans / quotes for the job is the one responsible and as such should have employers liability cover.

 

From my understanding there are a lot of grey areas but they are closing down on this all the time.

[Steve Bullman]

Does Ariva and axa actually do arboricultural and forestry?? I used to be with Direct line before i started the tree surgery side and they couldnt take me on for covering tree surgery as it was too high risk for them. Check the small print and also work at hight limits??

 

 

Arborisk is Aviva

[Ty Korrigan]

My labourer is pretty odd...

Did your eyes meet down at that gym your trying to get membership for.. ?

Ty