Phil Rees
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Self employed client with no public liability insurance

Self employed client with no public liability...

Self employed client with no public liability insurance.

He works in the construction industry mainly for domestic customers. Apart from explaining the obvious risks to his wife and kids (he does not operate through a limited company) what are my responsibilities under the law? 

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04th Jul 2012 13:06

Do you have a responsibility?

There is no legal requirement for your client to have public liability insurance. It is obviously good practice on your part to suggest that he does take it out.

But don't let him do any work on your home or business premises.

John Perry

www.centralbusiness.co.uk

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By neileg
04th Jul 2012 15:22

Satisfied

You have recognised that he doesn't have it. Presumably you've advised him about this. You have acted professionally and responsibly, he's not breaking any laws. Job done.

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04th Jul 2012 15:53

Other Insurances

As above but you may also consider advising him of the position should he "engage" an assistant for some jobs. Here, in the event of at fault personal injury or death, I would expect that he could be liable as an employer to a large claim.

EL & PL are often overlooked.

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By JamieG
22nd Jul 2012 11:31

I agree, I wouldn't let him do any work for you, but make him aware of the benefits of public liability and PI Insurance - as both could be necessary for him. Not only for security, protection and peace of mind, but being properly covered can help gain contracts and can make him appear more reliable and trustworthy.

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22nd Jul 2012 11:57

Not sure about that

JamieG wrote:

being properly covered can help gain contracts and can make him appear more reliable and trustworthy.

People are generally very trusting and, I suspect, would expect him to have appropriate insurances in place anyway.  

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