Sub Contractors Insurance

Sub Contractors InsuranceFrom time to time we all use the services of a contractor.  Traditionally we immediately think of a contractor as a builder or plumber.  If they are carrying out work on your behalf on your equipment or premises, it is essential you ensure they carry liability insurance.  While this is true for manual trades, what about other trades who come into your work place?  Computer companies, telephone suppliers, cleaners, alarm installers?  If they are acting as a bona fide sub contractor, they too must hold the correct cover.  If they are providing you with advice (computer/telephone suppliers, alarm companies etc) they should also hold professional indemnity cover A bona fide sub-contractor is generally deemed to be contractors who supply their own materials and tools and do not work under the direction of the insured. When employing a bona fide subcontractor to carry out work for your business or on your premises you must have details of their Employers and Public liability insurances and note the Insurer, policy number and renewal date.  Normally a contractor will provide a declaration of their insurances which you should keep as record. A labour only sub-contractor is usually an employee who works under your direction and must be covered under your insurances.

If you have any doubt on how to determine the above or require any advice, please call us on 01707 88337 or email us on info@bromwall.com

Image courtesy of Vichaya Kiatying-Angsulee / FreeDigitalPhotos.net  

Tags:

Trackback from your site.

Leave a comment

We are insurance specialists – Contact us today
01707 883 377 | info@bromwall.com

What our customers say...

  • I’d just like to convey my thanks for the excellent job, it is so refreshing to find a company that is genuinely passionate about its customers.

    John Grainge | Islington, London

  • Bromwall and especially Amanda have been so helpful and supportive – always making the effort to contact me and ensure I was fully informed and, had completed all the necessary steps in the process.

    Paul Bridgewater | PB Systems, Leeds

  • I have yet to find another insurance broker, in my years dealing with the top names in the industry, who offers Bromwall’s personal service, professionalism & expertise. I would happily recommend Bromwall to everyone who has high net worth and complex business insurance requirements.

    Louise Daniels | Lion Enterprise, Manchester

  • For a variety of both motor and household briefs as well as for demanding professional activities, Bromwall Ltd have consistently delivered the most competitive quotations to us, along with a very personal and exacting service. We would not hesitate in fully recommending Bromwall for any matter relating to insurance.

    Dom Turner | Jizz IT, Norwich