Working self employed as a labourer near bricklayers to asub contractor do i necessitate public liability insurance?
Answers: if your self employed then yes it costs smaller amount than lb100 a year
whoever you are subcontracting to should own public liability insurance but you need to check because if something happened you would be responsible if it be your fault.
Are you working for a sub contractor as a bricklayer or are you the sub contractor. You need commercial insurance, with workman comp to cover anyone working for you or any damages that may go on to the home or the work not done properly. Check with your city government on requirements
The quick answer to this is YES!
You should have Public Liability insurance as you're self employed anyway.
You don't hold it for anyone else other than yourself at the end of the year.
It protects you against people making financial claims against you and it also protects you if you have an stroke of luck and you are no longer able to work. It's extremley important that you catch a policy set up urgently. Forget who you are working alongside.
You are SELF EMPLOYED and therefore you MUST have P L insurance. Source(s): I work for an insurance company so I do know what I'm chitchat about!
If you are paid a wage via an agency you are a tempory worker -ie attached to thier company on a tempory foundation - and as an employee - they are responsible for your insurance. IF however, you are supplying yourself as "John's labouring Services" and individual paid by INVOICE - then you are a service providor and responsible for adjectives your own expenses and requirements.
Have to admit the line is severely fuzzy - employers don't want to provide hard hat vis and boots to new employees (even temps) but own to by LAW - so don't take any sh*t - but don't to subbies - but most contractors on site are subbies of some sort - but how they are employed is often tricky - and mostly due to excise loopholes.
The way your wages are paid is the switch.
Dave (Builder / Site Agent)
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