[bobplum]

have just been looking around for a few quotes,as i need to employ someone for one day a week
 and came across some wording which implied that the law was changed last year freeing up about 300,000 trades people from having to have EMPLOYERS liability,im assuming it was for sole traders

does any one have any information on this
many thanks
bob
"In general, you may not need employers’ liability insurance for people who work with you if:

They do not work exclusively for you (for example, if they operate as an independent contractor);
They supply most of the equipment and materials they need to do the job;
They are clearly in business for personal benefit;
They can employ a substitute when they are unable to do the work themselves;
You do not deduct income tax or national insurance. However, even if someone is self-employed for tax purposes they may be classed as an employee for other reasons and you may still need employers’ liability insurance to cover them."

[mikecam]

Bob, you seem to be mixing up 'Public Liability' and 'Employee Liability' ?
They're different things.

[Ian101]

Hmmmmmm do u need public liability ?? Try this scernario for size ... Your working away on narrow pavement and old dear little hard of seeing trips over your hose and stumbles into road, a petrol tanker swerves to avoid her and ploughs into a bus stop full of people killing 5 outright, one of the dead people was smoking a cigerette which now ignites petrol dripping from tanker, the subsequent explosion kills another 20 people and demolishes 1 school, 3 office blocks and a row of terraced houses killing another 82 people.

Never leave home without btw I write Holby scrips part time.

[bumper]

and you carnt get blood out of a stone, take a couple days of to get over it and start back to work.It will be chip shop news by then

[William McCafferty]

Hmmmmmm do u need public liability ?? Try this scernario for size ... Your working away on narrow pavement and old dear little hard of seeing trips over your hose and stumbles into road, a petrol tanker swerves to avoid her and ploughs into a bus stop full of people killing 5 outright, one of the dead people was smoking a cigerette which now ignites petrol dripping from tanker, the subsequent explosion kills another 20 people and demolishes 1 school, 3 office blocks and a row of terraced houses killing another 82 people.

Never leave home without btw I write Holby scrips part time.

Ditto the above

also a 747 was passing overhead on final landing approach, the pilot was distracted by the explosions and firestorms on the ground, he now strarts having flashbacks to the dam busting raid he did when he was younger, so he takes evasive actions, of course they don't built aircraft like they use to and unlike his trusted lancaster bomber, this piece of american junk is useless, so the plane losess all air control and falls out of the sky and straight into the side of Buckingham Palace where her majesty is have dinner with the entire royal family, they are now wiped out, and our next King is a guy from milton keynes, who cleans windows. and is called stan

in honour of our new King, the national anthem is changed to george formbys "when I'm cleaning windows"

[bobplum]

Bob, you seem to be mixing up 'Public Liability' and 'Employee Liability' ?
They're different things.
[/quot


Have changed the words from public to employers/employee liability

just to clarify i am talking about employers liability

sorry it was my mistake

[bobplum]

Hmmmmmm do u need public liability ?? Try this scernario for size ... Your working away on narrow pavement and old dear little hard of seeing trips over your hose and stumbles into road, a petrol tanker swerves to avoid her and ploughs into a bus stop full of people killing 5 outright, one of the dead people was smoking a cigerette which now ignites petrol dripping from tanker, the subsequent explosion kills another 20 people and demolishes 1 school, 3 office blocks and a row of terraced houses killing another 82 people.

Never leave home without btw I write Holby scrips part time.

what the f**K

[Frankybadboy]

Hmmmmmm do u need public liability ?? Try this scernario for size ... Your working away on narrow pavement and old dear little hard of seeing trips over your hose and stumbles into road, a petrol tanker swerves to avoid her and ploughs into a bus stop full of people killing 5 outright, one of the dead people was smoking a cigerette which now ignites petrol dripping from tanker, the subsequent explosion kills another 20 people and demolishes 1 school, 3 office blocks and a row of terraced houses killing another 82 people.

Never leave home without btw I write Holby scrips part time.

what the f**K

take no notice of the mong bob,he lost the plot as normal

[Ian101]

Hmmmmmm do u need public liability ?? Try this scernario for size ... Your working away on narrow pavement and old dear little hard of seeing trips over your hose and stumbles into road, a petrol tanker swerves to avoid her and ploughs into a bus stop full of people killing 5 outright, one of the dead people was smoking a cigerette which now ignites petrol dripping from tanker, the subsequent explosion kills another 20 people and demolishes 1 school, 3 office blocks and a row of terraced houses killing another 82 people.

Never leave home without btw I write Holby scrips part time.

what the f**K

take no notice of the mong bob,he lost the plot as normal

franky I never had it to start with 

[Dean Taberner]

If you're taking you're business seriously then I'd suggest having both employers and public liability ins if you employ.

Dean.

[Frankybadboy]

Hmmmmmm do u need public liability ?? Try this scernario for size ... Your working away on narrow pavement and old dear little hard of seeing trips over your hose and stumbles into road, a petrol tanker swerves to avoid her and ploughs into a bus stop full of people killing 5 outright, one of the dead people was smoking a cigerette which now ignites petrol dripping from tanker, the subsequent explosion kills another 20 people and demolishes 1 school, 3 office blocks and a row of terraced houses killing another 82 people.

Never leave home without btw I write Holby scrips part time.

sorry ian wasnt on about you,ment hyrdo bullshxt billy


what the f**K

take no notice of the mong bob,he lost the plot as normal

franky I never had it to start with 

[colley614]

That reads to me that you don't need employers liability if your using a sub contractor who has his own work. But if they work for you and you alone then they are an employee and need to be insured

[TN Cleaning Services Ltd]

If theyre working under your supervision you need employers insurance.
Even for contractors or self employed.

[bobplum]

have started to get some quotes so will get it sorted