liability insurance

[hillhead]

Hello all my tiling buddies,
My helper is 16, leaving school now so he's booked onto a course which lasts two years(at a technical college),2-3 days a week! probably NVQ.
Anyway for him to officially join me i'm to have public liability insurance(no prob there) and Employers insurance !!! (what i said!!!! ) this would cost me a lot i'm told.
Make sense to anyone? I'm a sole trader,not an employer so why the hell should i do get this??

 

[Olz]

I dont really know much about it, but when i was getting qoutes in all the companies gave me the options for the number of directors, employee's admin staff etc, have you got some qoutes in already?

 

[bal]

Hello all my tiling buddies,
My helper is 16, leaving school now so he's booked onto a course which lasts two years(at a technical college),2-3 days a week! probably NVQ.
Anyway for him to officially join me i'm to have public liability insurance(no prob there) and Employers insurance !!! (what i said!!!! ) this would cost me a lot i'm told.
Make sense to anyone? I'm a sole trader,not an employer so why the hell should i do get this??

Just started my son with me as a trainee thro leeds building college had meeting with representative from college Friday ,you have to have emloyers cover hes also 16 , he cant be classed as a subcontractor , your responsible for training .health and safety every thing , but you can also claim over £5000 over the period of training.

 

[hillhead]

Just started my son with me as a trainee thro leeds building college had meeting with representative from college Friday ,you have to have emloyers cover hes also 16 , he cant be classed as a subcontractor , your responsible for training .health and safety every thing , but you can also claim over £5000 over the period of training.

Thanks lads for the responses,
my helper is my son too Bal,seems to be same situation as yourself then.
You say i can claim over 5k over the period of training? how? i know that by losing him 2-3 days a week i'l loose more than that for sure over the months on course! lol.
I'v had no quotes in yet,what would be a reasonable quote for the employers insurance?? not that i have employees!!

 

[bal]

Thanks lads for the responses,
my helper is my son too Bal,seems to be same situation as yourself then.
You say i can claim over 5k over the period of training? how? i know that by losing him 2-3 days a week i'l loose more than that for sure over the months on course! lol.
I'v had no quotes in yet,what would be a reasonable quote for the employers insurance?? not that i have employees!!

Ive added my lad onto employers liability insurance thro the same company that ive got my public liability £ 75 up to my next renual date which off top of my head is about 8 months away so £75 not a full year so about £100 give or take a few quid , theres plenty of firms around, by the way you must register with CITB to get the grants .

 

[hillhead]

Ive added my lad onto employers liability insurance thro the same company that ive got my public liability £ 75 up to my next renual date which off top of my head is about 8 months away so £75 not a full year so about £100 give or take a few quid , theres plenty of firms around, by the way you must register with CITB to get the grants .

Thanks Bal,so you must have had employers insurance then?

 

[bal]

Thanks Bal,so you must have had employers insurance then?

I got it sorted an hour before i had the meeting with the rep from college he rang me an hour before saying he was running late and just in conversation i asked him if i had to bring owt to meeting and he said "employers liability" got on phone straight away and sorted it , he was covered on the phone straight away with broker , when paper work comes thro got to send it to him at college . If you want any help with it PM me , ok mate.

 

[Highlander]

When I employed one tiler my insurance went up an extra £250 dont know if it is cheaper taking a young guy on.

Highlander

 

[davy_G]

I've my cousins lad with me 'till he starts serving his time at the plumbing:furious3::furious3:.

The site im on need PL insurance but when i mentioned bringing some help the foreman wasnt bothered. To keep myself right i know i need employers as well.
Is there no way you can get round it by him registering as self employed....maybe thats even more of a can of worms.

Having a gofor really helps, ive almost doubled my meterage and my costs definitely havent went up too much so its worth it lads.£££££££

 

[hillhead]

I've my cousins lad with me 'till he starts serving his time at the plumbing:furious3::furious3:.

The site im on need PL insurance but when i mentioned bringing some help the foreman wasnt bothered. To keep myself right i know i need employers as well.
Is there no way you can get round it by him registering as self employed....maybe thats even more of a can of worms.

Having a gofor really helps, ive almost doubled my meterage and my costs definitely havent went up too much so its worth it lads.£££££££

No doubt Davy,meterage double on most days easily.

 

[TilingLogistics]

My liability insurance went from £130 to just under £500 with my first employee. Be very careful with your policy for under 18,s read it with care regarding Wet saws, angle grinders and machinery in general

Kev

 

[wayne]

i have a young lad with me from leeds college of building too. insurance went from £85 to £215. you have to register with tax office too

 

[grumpygrouter]

Hello all my tiling buddies,
My helper is 16, leaving school now so he's booked onto a course which lasts two years(at a technical college),2-3 days a week! probably NVQ.
Anyway for him to officially join me i'm to have public liability insurance(no prob there) and Employers insurance !!! (what i said!!!! ) this would cost me a lot i'm told.
Make sense to anyone? I'm a sole trader,not an employer so why the hell should i do get this??

If you are paying him then you must register as an Employer with HMRC and also comply with the regulations laid down in the Working Time Directive. Sadly this will encompass all sorts of stuff like National Minimum Wage, holiday pay, sick pay, paternity pay ( when that becomes relevant) etc. etc.

You will need the 5 grand in grants to make it all worthwhile...........

 

[hillhead]

If you are paying him then you must register as an Employer with HMRC and also comply with the regulations laid down in the Working Time Directive. Sadly this will encompass all sorts of stuff like National Minimum Wage, holiday pay, sick pay, paternity pay ( when that becomes relevant) etc. etc.

You will need the 5 grand in grants to make it all worthwhile...........

Thanks grumpy,i don't want to be an employer.
It seems to be compulsory to have employers insurance with liability to take one of these lads from a college!! maybe i should drop it all.
These lads don't expect pay or the benefits of employment,just the experience seemingly!! .

 

[bal]

Thanks grumpy,i don't want to be an employer.
It seems to be compulsory to have employers insurance with liability to take one of these lads from a college!! maybe i should drop it all.
These lads don't expect pay or the benefits of employment,just the experience seemingly!! .

Thought it was your lad hillhead that you were taking on ? you cant deny him a qualification cos of a bit of paper work , its not as if hes gunna run to tax office and take you to an industrial court trial , i think your working relationship will be a bit more relaxed and less pressured than if it was trainee you didnt know .