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So, you'll want to have it, but only if you have employees. This is where you really should try to exercise some care and caution. A staff is a wide personification. All of the commercial insurance companies in the united kingdom that offer this cover will have, in their wordings, a definition of employee. The definitions in many cases are very range of. If you get a family member or friend to assist you one night in the shop, when you are short staffed, they need to be covered using your EL lid. It is irrelevant whether there is a contract of employment, are paid via formal payroll or pc just for just a few hours. Might effectively working under your direction and if injured, they can make claims against buyers.
Additionally, does he have his general liability insurance up to date, want proof of insurance. May do not have is to enjoy a subcontractor harmed on your work and as the GC doesn't have a the proper insurance or proper number of insurance, the sub sues you for damages. Again it is simple, not properly insured? NO DEAL.
Therefore, you may find that one insurer will restrict cover to four particular perils, fire, lightning, explosion and aircraft. More often referred to as P oker.L.E.A cover.
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