Need Tradesman/Contractors Insurance From Insurance-Desk….

Labour-Only Subcontractors (LOSCs)

  • Essentially treated like employees
  • Work under the direct control and supervision of the contractor
  • Use the contractor’s tools, equipment, and materials
  • Paid hourly, weekly, or daily rather than per project
  • Covered under the contractor’s Employers’ Liability (EL) and Public Liability (PL) insurance
  • The contractor is responsible for their tax and National Insurance contributions

Bona Fide Subcontractors (BFSCs)

  • Operate as independent businesses
  • Provide their own tools, equipment, and materials
  • Work under their own direction, without being directly supervised by the contractor
  • Paid per project or job rather than hourly
  • Expected to hold their own Public Liability (PL) insurance (and Employers' Liability if they have staff)
  • Responsible for their own tax and National Insurance
  • All doors and windows and other points of access have been closed and locked and any security devices correctly set to operate and all keys to doors ignition and other services removed and the insured property is hidden from view.
  • Such vehicle is in a securely locked building or a vehicle park permanently attended by security personnel between the hours of 9.00pm and 6.00am (c) whilst left Unattended during the working day or overnight or at weekends or other non-working days.
  • On any site or premises where You or any Employee is carrying out work unless stored in a securely locked room, building, container or receptacle which must be retained within a locked compound or yard incorporating enclosed perimeter walls or fencing and padlocked points of access.
  • Elsewhere unless stored in a securely locked room building, container or receptacle which must be retained within a locked compound or yard incorporating enclosed perimeter walls or fencing and padlocked points of access.
Professional Indemnity & Personal Liability Insurance
Professional Indemnity & Personal Liability Insurance
Professional Indemnity & Personal Liability Insurance