Home Improvement Contractor - Licensed Contractors

working self employed as a labourer with bricklayers to asub contractor do i need public liability insurance?

Public Comments

1. 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 occur to the home or the work not done properly. Check with your city government on requirements
2. If you are paid a wage via an agency you are a tempory worker -ie attached to thier company on a tempory basis - and as an employee - they are responsible for your insurance. IF however, you are supplying yourself as "John's labouring Services" and being paid by INVOICE - then you are a service providor and responsible for all your own expenses and requirements. Have to admit the line is very fuzzy - employers don't want to provide hard hats vis and boots to new employees (even temps) but have 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 tax loopholes. The way your wages are paid is the key. Dave (Builder / Site Agent)
3. whoever you are subcontracting to should have public liability insurance but you need to check because if something happened you would be responsible if it was your fault.
4. The quick answer to this is YES! You should have Public Liability insurance as you're self employed anyway. You don't have it for anyone else other than yourself at the end of the day. It protects you against people making financial claims against you and it also protects you if you have an accident and you are no longer able to work. It's extremley important that you get a policy set up urgently. Forget who you are working alongside. You are SELF EMPLOYED and therefore you MUST have P L insurance.
5. if your self employed then yes it costs less than £100 a year