liability insurance - TilersForums.co.uk | Tile Forums

hillhead · 23-08-2008

Hello all my tiling buddies,
My helper is 16, leaving school now so he's booked onto a course which lasts two years(at a technical college),2-3 days a week! probably NVQ.
Anyway for him to officially join me i'm to have public liability insurance(no prob there) and Employers insurance !!! (what i said!!!! ) this would cost me a lot i'm told.
Make sense to anyone? I'm a sole trader,not an employer so why the hell should i do get this??

**Oli** · 23-08-2008

I dont really know much about it, but when i was getting qoutes in all the companies gave me the options for the number of directors, employee's admin staff etc, have you got some qoutes in already?

bal · 23-08-2008

Quote:

Originally Posted by hillhead

Hello all my tiling buddies,
My helper is 16, leaving school now so he's booked onto a course which lasts two years(at a technical college),2-3 days a week! probably NVQ.
Anyway for him to officially join me i'm to have public liability insurance(no prob there) and Employers insurance !!! (what i said!!!! ) this would cost me a lot i'm told.
Make sense to anyone? I'm a sole trader,not an employer so why the hell should i do get this??

Just started my son with me as a trainee thro leeds building college had meeting with representative from college Friday ,you have to have emloyers cover hes also 16 , he cant be classed as a subcontractor , your responsible for training .health and safety every thing , but you can also claim over £5000 over the period of training.

hillhead · 23-08-2008

Quote:

Originally Posted by bal

Just started my son with me as a trainee thro leeds building college had meeting with representative from college Friday ,you have to have emloyers cover hes also 16 , he cant be classed as a subcontractor , your responsible for training .health and safety every thing , but you can also claim over £5000 over the period of training.

Thanks lads for the responses,
my helper is my son too Bal,seems to be same situation as yourself then.
You say i can claim over 5k over the period of training? how? i know that by losing him 2-3 days a week i'l loose more than that for sure over the months on course! lol.
I'v had no quotes in yet,what would be a reasonable quote for the employers insurance?? not that i have employees!!

bal · 23-08-2008

Quote:

Originally Posted by hillhead

Thanks lads for the responses,
my helper is my son too Bal,seems to be same situation as yourself then.
You say i can claim over 5k over the period of training? how? i know that by losing him 2-3 days a week i'l loose more than that for sure over the months on course! lol.
I'v had no quotes in yet,what would be a reasonable quote for the employers insurance?? not that i have employees!!

Ive added my lad onto employers liability insurance thro the same company that ive got my public liability £ 75 up to my next renual date which off top of my head is about 8 months away so £75 not a full year so about £100 give or take a few quid , theres plenty of firms around, by the way you must register with CITB to get the grants .

hillhead · 23-08-2008

Quote:

Originally Posted by bal

Ive added my lad onto employers liability insurance thro the same company that ive got my public liability £ 75 up to my next renual date which off top of my head is about 8 months away so £75 not a full year so about £100 give or take a few quid , theres plenty of firms around, by the way you must register with CITB to get the grants .

Thanks Bal,so you must have had employers insurance then?

bal · 23-08-2008

Quote:

Originally Posted by hillhead

Thanks Bal,so you must have had employers insurance then?

I got it sorted an hour before i had the meeting with the rep from college he rang me an hour before saying he was running late and just in conversation i asked him if i had to bring owt to meeting and he said "employers liability" got on phone straight away and sorted it , he was covered on the phone straight away with broker , when paper work comes thro got to send it to him at college . If you want any help with it PM me , ok mate.

**Highlander** · 23-08-2008

When I employed one tiler my insurance went up an extra £250 dont know if it is cheaper taking a young guy on.

Highlander

davy_G · 24-08-2008

I've my cousins lad with me 'till he starts serving his time at the plumbing

.

The site im on need PL insurance but when i mentioned bringing some help the foreman wasnt bothered. To keep myself right i know i need employers as well.
Is there no way you can get round it by him registering as self employed....maybe thats even more of a can of worms.

Having a gofor really helps, ive almost doubled my meterage and my costs definitely havent went up too much so its worth it lads.£££££££

hillhead · 24-08-2008

Quote:

Originally Posted by davy_G

I've my cousins lad with me 'till he starts serving his time at the plumbing

.

The site im on need PL insurance but when i mentioned bringing some help the foreman wasnt bothered. To keep myself right i know i need employers as well.
Is there no way you can get round it by him registering as self employed....maybe thats even more of a can of worms.

Having a gofor really helps, ive almost doubled my meterage and my costs definitely havent went up too much so its worth it lads.£££££££

No doubt Davy,meterage double on most days easily.

TilingLogistics · 24-08-2008

My liability insurance went from £130 to just under £500 with my first employee. Be very careful with your policy for under 18,s read it with care regarding Wet saws, angle grinders and machinery in general

Kev

wayne · 24-08-2008

i have a young lad with me from leeds college of building too. insurance went from £85 to £215. you have to register with tax office too