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 firstname.lastname@example.orgImage courtesy of Vichaya Kiatying-Angsulee / FreeDigitalPhotos.net
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