Another self employed thread!

[Maxnaggle]

I've found public liability to be a bit of a grey area. As far as I'm aware, if your under the instruction of someone else on their job, then you don't need any. They should have PL and EL which will cover you.

Though if you turn up to the yard, get given a job sheet and are sent of to do the job, then you need insurance. I guess this is because you are then in charge of the job?

I've got insurance, it means I can take on more, do my own stuff, and worry less!

Defo get personal insurance as well, £22 quid a month for guaranteed income!

[Maxnaggle]

Also, I think you will be fine as long as you are honest about your ability, and charge accordingly!

[Mick Dempsey]

  Maxnaggle said:

I've found public liability to be a bit of a grey area. As far as I'm aware, if your under the instruction of someone else on their job, then you don't need any. They should have PL and EL which will cover you.

Though if you turn up to the yard, get given a job sheet and are sent of to do the job, then you need insurance. I guess this is because you are then in charge of the job?

I've got insurance, it means I can take on more, do my own stuff, and worry less!

Defo get personal insurance as well, £22 quid a month for guaranteed income!

 

No, if you turn up at the yard, are given a job sheet then the guy who gives you the sheet needs the insurance, not you. It's their job.

[Maxnaggle]

  Mick Dempsey said:

No, if you turn up at the yard, are given a job sheet then the guy who gives you the sheet needs the insurance, not you. It's their job.

 

I've heard it said both ways - even the insurer wasn't sure! works out alright for me because I sometimes do my own jobs.

[stihlmadasever]

  Mick Dempsey said:

No, if you turn up at the yard, are given a job sheet then the guy who gives you the sheet needs the insurance, not you. It's their job.

 

Bang on mick,as a company if you sub contract work out your insurance has to cover anyone working under the company umbrella ie subbies and your own staff-of course.

It would benefit a subbie to have his/her own insurance cover so they can take on there own jobs aswell though.

[jonno141]

try( invoice to go) app really handy tool for when you sub to multiple customers