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UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: MNWC on November 19, 2009, 09:33:27 pm

Title: Is employee liability ins. compulsary
Post by: MNWC on November 19, 2009, 09:33:27 pm
as the title says

I will be having a part timer work for me soon 2 days a week

Ive been told by the tax office that if i dont pay him over £95 p/w
then i wont be liable for his ni or tax deduction.

but as i dont have to register myself as an employer do i need the above insurances.....

Thanks
Marcus
Title: Re: Is employee liability ins. compulsary
Post by: Blue Frog Systems on November 19, 2009, 09:36:19 pm
If you employ someone i thought you did the tax & ni, works out you pay them less than £50 a day which is rubbish.

Oh and if he is an employee, you will have to get the employers pl insurance, unless he gets his own and goes SE
Title: Re: Is employee liability ins. compulsary
Post by: Dean Taberner on November 19, 2009, 09:40:23 pm
Yes it is.

Not having employers liability ins whilst employing is insane,

Dean
Title: Re: Is employee liability ins. compulsary
Post by: ronnie paton on November 19, 2009, 09:43:20 pm
less than £95 a week is correct. no ni or tax

you will need employees insurance unless imediate family.

Window wipers you dont know any thing about is employee age  area ect  so how can you say its crap?

50 aday is about 13,500 a year which is good round were i live.
Title: Re: Is employee liability ins. compulsary
Post by: rz on November 19, 2009, 09:48:41 pm
if i pay a guy under £95 a week, no tax or ni.. does anybody know if this is the same if it is their second job??

he works in a factory full time and part time for me..
Title: Re: Is employee liability ins. compulsary
Post by: MNWC on November 19, 2009, 09:50:50 pm
cheers for replys

He is 19 and at college 3 days a week and will work for me 2 days a week

considering the minimum wage for a 19 year old is £4.83

I dont think hes doing to badly @ £6p/h...
Title: Re: Is employee liability ins. compulsary
Post by: mci services on November 19, 2009, 09:53:16 pm
if i pay a guy under £95 a week, no tax or ni.. does anybody know if this is the same if it is their second job??

he works in a factory full time and part time for me..


no if its a second job he goes on a br tax code and has to pay tax and ni
Title: Re: Is employee liability ins. compulsary
Post by: rz on November 19, 2009, 09:58:03 pm

no if its a second job he goes on a br tax code and has to pay tax and ni
Quote

i thought that might be the case...  ::)

thanks for the reply
Title: Re: Is employee liability ins. compulsary
Post by: ronnie paton on November 19, 2009, 10:02:37 pm
basically that is the threshold befoe you need to pay there liabilitys so if they have another job it is totally different they may need to more(if it takes them over the higher tax threshold)
Title: Re: Is employee liability ins. compulsary
Post by: Andy Foster on November 19, 2009, 10:04:40 pm
If you have an employee (and if you are Limited then you are classed as an employee even if it is just you), no matter how many hours they do, how old they are, whether they are family or not, you need the insurance.
If you don't have employers and anything happens then you personally will be held responsible.

It is a legal (and moral in my opinion) obligation to have it!

It is not expensive though and for the peace of mind you will have, it is worth every penny.

National insurance and tax is different and your accountant will let you know what to do here.  All I know is that if it a second job, they will already be using their allowances in their other wage packet and you will have to put them on full tax and NI contributions.
Title: Re: Is employee liability ins. compulsary
Post by: easycleaner on November 19, 2009, 10:34:49 pm
If you dont tell the tax man your paying a guy you can be held liable for his tax etc. because if he get 95 quid off you and 95 quid of others or he gets benifits you will be liable because you should deduct tax at source.
Mart
Title: Re: Is employee liability ins. compulsary
Post by: Dean Taberner on November 19, 2009, 10:40:03 pm
Ive been paying a part time employee £105 per week for the last 10 months,

I wish id have know this earlier.......he'd have been a £95 per week emploee :P :P

Only joking, seriously though I didnt know that.

Dean
Title: Re: Is employee liability ins. compulsary
Post by: outdoor restore on November 19, 2009, 11:19:16 pm
For any questions on employing or gen biz visit www.businesslink.gov.uk.  It has the Tax & NI info and employment contracts and a load of other really useful stuff. A very good first port of call for most business queries.
Title: Re: Is employee liability ins. compulsary
Post by: Helen on November 20, 2009, 09:50:24 am
as the title says

I will be having a part timer work for me soon 2 days a week

Ive been told by the tax office that if i dont pay him over £95 p/w
then i wont be liable for his ni or tax deduction.

but as i dont have to register myself as an employer do i need the above insurances.....

Check out with New Employer helpline 0845 6 070 143. Just because you won't have to pay his tax & Ni, doesn't mean you don't have to register as an employer.

Thanks
Marcus