Still trying to work out what Ins cover Im going to need.
Im planning to offer domestic cleaning into private houses and will be looking to 'employ' 5 or so cleaners when (and if) the business expands. I know that I need public liability ins and have recived quotes for this (although with £250 excess - can anyone get better than this ie lower?)
But will I need Employers Liability Ins, one guy I spoke to said that I wouldn't as technically speaking, the client is employing the cleaner (and paying them) - not me. But another person I spoke to said I would need this Insurance (he was trying to sell me some!) as I was the one finding work for the cleaner and was therefore their 'employer'
which one was correct?
can anyone recommened an Insurance company?
thankyou
Claire Bennett