cleaning for a neighbour

phill99

People have to over complicate the most simple of things. There are professional cleaning companies that have liability insurance. But how many cleaners in this same scenario have it? I used to have a cleaner (neighbour) but there is no way in the world I would expect her to have liability insurance. What's the worst that can happen? And the few quid the girl gets would soon disappear in bloody insurance.

Sometimes it really isn't worth asking peoples opinions on this forum as there is always some do gooding busy body who wants to make a mountain out of a mole hill.

InsideInsurance

taxi36 wrote: »

1) Would she REALLY need to have liabilty insurance? Is it compulsary or just something people take out to cover their backs ?

2) Would HMRC think something fishy was going on if she declares (quite correctly) that she is only self employed for 2 hours per week?

1) It is not compulsory simply advisable. The only compulsory insurances are motor, employers liability and national insurance.

If she chose to operate without insurance and damaged something in their house then she would be liable for the cost of fixing it.

2) They can think its fishy as much as they like and they can choose to do an investigation but if she is only doing that then they wont find anything to the contrary. There are many people who do minimal self employed work or basically hobbies that generate small incomes and HMRC dont investigate all of them