Gettign painters - insurance?

funkey_monkey

Hi,


I want to get some painters in to undertake some painting to the exterior of a property. They are painters by trade but I would like to get some insurance against them falling resulting in a claim (or another other type of claim) against myself.


I appreciate that they would have their own insurance, but I would prefer to pay out for peace of mind.


Is there anywhere I can get this? My current insurance does not provide this add on as they state that the painter should have his own cover.


Thanks.

Old_Git

most insurance will cover you for public liability insurance ,which may cover this .
However the painters should be fully insured with their own insurance.

BigAl94

Ask for evidence of their insurance before employing them.

funkey_monkey

Does this come under public liability or employers liability?

The painter is a friend of a relative and does this as his profession.

I appreciate and am well aware that he should have his own insurance, but if I decided to put additional cover on this work, then what type of insruance should I be looking at?

funkey_monkey

My understanding that if we get this person in to do the painting then Employers Liability Ins is not applicable as I am purchasing a service from him - and not employing him. Is this correct? Where can I get a definite steer on this?

On the Axa Ins website they have the following:

Employers' liability insurance - if you employ someone to work on your property - like a gardener or a handyman - you're responsible for their safety while they're there. Employers' liability cover will cover you in case of compensation claims for injury or disease.

As a rule of thumb, if someone is working under your supervision, you are legally required to have employer’s liability insurance. It covers:

• Full-time and part-time employees
• Self-employed contractors you hire
• Temporary staff, apprentices and volunteers

If a business has one or more permanent, temporary or voluntary employees or is registered as a limited company, it must have employers’ liability insurance of at least £5 million. It’s the law. You may not need this cover right now, but it’s something to think about in future.

My insurance has no employers liability on it. For reference - this is a rental property - if that makes a difference to the story.

the Axa website also states under public liability:

Because you have visitors at work (such as clients, tradesmen and members of the public), they could claim for compensation if they are hurt or their belongings are damaged where you work.

My own insurance has cover for public liability.

Mistral001

Is the building a commercial property?

funkey_monkey

Nope - private rental to a relative.

Mistral001

funkey_monkey wrote: »

Nope - private rental to a relative.

Ah you are a landlord. I would look up your responsibilities as a landlord on the Health and Safety Executives website in this regard. Basically you are a business who is getting a sub-contractor to carry out work for you. As far as I know, that can attract more responsibility regarding H & S compared with just a resident getting the painters in.


I suggest you contact a H & S consultant.