Public liability insurance for a 13 year old

Cyclingmum123

My 13 year old son would like to start a regular cleaning job. He has his permit to work, recently granted by the local authority.   He'll be cleaning the communal hallways of a local apartment block - not actually in the apartments.  He'll be hoovering, cleaning low level windows and washing the floor.  We (his parents) feel he needs public liability insurance - in case he damages anything or someone has an injury as the result of his activity.  Are there any insurers who would take him on due to his age?  If not, could we start the business and he becomes an employee of ours so we then take out employee and PL insurance?  Thank you!

Marcon

Cyclingmum123 said:

My 13 year old son would like to start a regular cleaning job. He has his permit to work, recently granted by the local authority.   He'll be cleaning the communal hallways of a local apartment block - not actually in the apartments.  He'll be hoovering, cleaning low level windows and washing the floor.  We (his parents) feel he needs public liability insurance - in case he damages anything or someone has an injury as the result of his activity.  Are there any insurers who would take him on due to his age?  If not, could we start the business and he becomes an employee of ours so we then take out employee and PL insurance?  Thank you!

Good for him!

https://www.ashburnham-insurance.co.uk/business-insurance/public-liability-insurance/under-18-years-old/ certainly offer cover for minors, but usually school leavers aged 16 or 17 - but why not contact them and ask if they'd cover a 13 year old for the tasks you've outlined?

Cyclingmum123

Thanks @Marcon.  They wouldn't cover him but I've found another provider who will.  Thanks for your help.

LightFlare

 Brilliant to see a young man making an effort at an early age and also parent (s) for supporting him.

Hoenir

Given his age supervision may well be a prerequisite of the cover.  

Andy_L

Is he an employee (of the block's management company) or self-employed?

alpx

Cyclingmum123 said:

Thanks @Marcon.  They wouldn't cover him but I've found another provider who will.  Thanks for your help.

Hi Cyclingmum123, Please can you advise which company gave you public liability insurance for your son? I am struggling to find a company that will insure mine. Thank you in advance for your help