- Visitors can check out the Forum FAQ by clicking this link. You have to register before you can post: click the REGISTER link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. View our Forum Privacy Policy.
- Want to receive the latest contracting news and advice straight to your inbox? Sign up to the ContractorUK newsletter here. Every sign up will also be entered into a draw to WIN £100 Amazon vouchers!
Changes to the law?
Collapse
X
-
-
You definitely don't need Employers Liability for a one man band setup.
http://www.hse.gov.uk/pubns/hse40.pdf
Bottom of Page 3
Does the law apply to me?
You need employers’ liability insurance unless you are
exempt from the Employers’ Liability (Compulsory
Insurance) Act. The following employers are exempt:
companies employing only their owner where that
employee also owns 50% or more of the issued
share capital in the company.
I'd get PI and PL insurances though to be on the safe side. I know other contractors that didn't bother with the insurances until they were challengedEat Right, Exercise, Die Anyway.Comment
-
Originally posted by miffy View PostYou definitely don't need Employers Liability for a one man band setup.
Originally posted by miffy View PostI'd get PI and PL insurances though to be on the safe side. I know other contractors that didn't bother with the insurances until they were challenged
PI would be more relevant, still haven't really found if there been changes to tha law as Sanderson says. Hmm...Comment
-
You could plug your laptop in at a clients site and then someone come along trip on the power cord, smash their head on the side of a desk and fall onto the pen they were carrying killing them in a final destination style.
I'd be glad of having Public Liability insurance in that instance.Comment
-
Originally posted by agam View PostYou could plug your laptop in at a clients site and then someone come along trip on the power cord, smash their head on the side of a desk and fall onto the pen they were carrying killing them in a final destination style.
I'd be glad of having Public Liability insurance in that instance.Comment
-
-
Originally posted by miffy View PostYou definitely don't need Employers Liability for a one man band setup.
http://www.hse.gov.uk/pubns/hse40.pdf
Bottom of Page 3
Does the law apply to me?
You need employers’ liability insurance unless you are
exempt from the Employers’ Liability (Compulsory
Insurance) Act. The following employers are exempt:
companies employing only their owner where that
employee also owns 50% or more of the issued
share capital in the company.
I'd get PI and PL insurances though to be on the safe side. I know other contractors that didn't bother with the insurances until they were challenged
A 50/50 shareholding split with a spouse or similar and that condition is not met. [Edit: Doh, doesn't disqualify I thought it was more than 50%]
Employing spouse or similar and that conditions is not met (not strictly a one man band of course).
One or other of the above will catch a proportion of contractor companies.Comment
-
Originally posted by morsing View PostIndeed and my PL in my contents insurance should cover that. If I can remember who my insurance company is, I'll call and ask if it covers me at work but I can't see why not.Comment
-
Originally posted by agam View PostYou could plug your laptop in at a clients site and then someone come along trip on the power cord, smash their head on the side of a desk and fall onto the pen they were carrying killing them in a final destination style.
I'd be glad of having Public Liability insurance in that instance.Comment
-
There is no law requiring any of those insurances - if there was, they could quote it, and there ain't so they can't.
There isn't even a law saying they need to see your passport.
What there is, as usual, is a set of vague requirements from HMG coupled with draconian penalties for employers caught engaging people with no right to work here. They do this in order to create "problems" which they can use our taxes to "solve"
In consequence jobsworth HR and legal wonks are demanding all sorts of stuff to which they have absolutely no right.
Welcome to New Britain where you are guilty of everything until you prove otherwise, and are assumed to be lying about everything until you furnish jobsworth wonks with daft paperwork.Comment
- Home
- News & Features
- First Timers
- IR35 / S660 / BN66
- Employee Benefit Trusts
- Agency Workers Regulations
- MSC Legislation
- Limited Companies
- Dividends
- Umbrella Company
- VAT / Flat Rate VAT
- Job News & Guides
- Money News & Guides
- Guide to Contracts
- Successful Contracting
- Contracting Overseas
- Contractor Calculators
- MVL
- Contractor Expenses
Advertisers
Contractor Services
CUK News
- Streamline Your Retirement with iSIPP: A Solution for Contractor Pensions Sep 1 09:13
- Making the most of pension lump sums: overview for contractors Sep 1 08:36
- Umbrella company tribunal cases are opening up; are your wages subject to unlawful deductions, too? Aug 31 08:38
- Contractors, relabelling 'labour' as 'services' to appear 'fully contracted out' won't dupe IR35 inspectors Aug 31 08:30
- How often does HMRC check tax returns? Aug 30 08:27
- Work-life balance as an IT contractor: 5 top tips from a tech recruiter Aug 30 08:20
- Autumn Statement 2023 tipped to prioritise mental health, in a boost for UK workplaces Aug 29 08:33
- Final reminder for contractors to respond to the umbrella consultation (closing today) Aug 29 08:09
- Top 5 most in demand cyber security contract roles Aug 25 08:38
- Changes to the right to request flexible working are incoming, but how will contractors be affected? Aug 24 08:25
Comment