Sub Contractors & insurance

[calibra]

Hi

I am moving from Sole Trader over to a Limited company.

I have a sub contractor, and I'm wondering if I need to cover him under my insurance?

Thanks

James

 

[Tej]

As a sub contractor, he needs to get his own Public Liability Insurance.

 

[IANL]

Hi

I am moving from Sole Trader over to a Limited company.

I have a sub contractor, and I'm wondering if I need to cover him under my insurance?

Thanks

James

As en employer you will need employers liability insurance. If he gets injured whilst doing work for you or on your behalf and he is off work you are liable/open to a claim. (it is law that you have this if you employ anyone other than yourself)

You should ask him to get Public Liability insurance for. If he damges anything on a customers premisies through his neglignece. The customer will claim off you and you should claim of him (It is not law that he has this)

 

[calibra]

Hi

Thanks for the answers.

The sub-contractor is a Sole trader, and he has his own clients

If I need an extra pair of hands, we works for me and visits client sites doing PC work.

I don't supply his tools, pay his travel or anything like that. I just pay him per hour.

Thanks

James

 

[The Resolver]

You can be very exposed if he causes damage to a client of yours. You need:-

1. Professional Indemnity cover for work done for your clients whether by you or your sub-contractor.

2. Ensure he has adequate PI cover as well.

3. Ensure you have solid Terms and Conditions in a contract for your client work that limits your liability and covers a host of other issues.

4. Ensure you have a protocol that ensures your clienst are fully bound by your T&Cs (easily overlooked eg by sending T&Cs after the contract of work has been entered into and thus when not binding).

5. Ensure you have a solid contract with your sub-contractor giving you a full indemnity by him against all claism that may be made against you by your clients and a host of other matters.

6. Ensure when your Ltd Co is formed that you comply with the Companies (Trading Disclosure) Regs 2008 ie display on your website and all business emails (and letters ) your ltd company name (with word ltd) your company registration number, your Registered Office (and designate it as such) and state that it is registered in Engalnd and Wales.

Your current website is unlawful for not identifying who is "|Computer Blues" but I assume you will put this right when you carry out 5

PM or email me if you would like me to supply the T&Cs and contract - I have low cost templates which I can help have tailored for your precise needs

 

[calibra]

Hi

Thanks for the responce. I'm just going from Sole Trader to Ltd, so Website will be updated as required.

I will send you a PM

Thanks

James

 

[Astaroth]

Whilst all of these need to be redone because of the change in legal entity (from you as a sole trader to having a Ltd) all of these requirements/ suggestions apply equally to you as a sole trader as they do to you as the operator of a Ltd