wakeboardar

i need to know how much public and employers liability i would need to tender for carpentry works with 10 chipies on the firm?
also anyone got a cis 6?

bettyboo

Hi

Public and employers liability does not cost too much money, but if they want proffesional indemnity insurance, thats when it starts to cost money!! What sort of project is it and who has direction and control of the site????

I have a CIS5 certifying document if that helps.

Betty

stevebt

iTrader: (8)

this is who mine is with, im sure they are the cheapest around. so you can find out exactly how much its gonna cost you
http://www.tradedirectinsurance.co.uk/

wakeboardar

well i want to tender for new build carpentry works labour only to the likes of wimpy ,laings ,main contactor house builders i expect to have no for than 10 carpenters i need to know how much and what type of cover i will need
the main contactor will have control of the site
im also trying to change my cis4 to a cis6 but not sure whether to do this in my name or form a ltd company and apply using that
thanks for you time by the way betty

stevebt

iTrader: (8)

if you are going to use subcontract labour yourself you wont need employers liabilty as they wont be employed by you direct and as such should have there own policy

wakeboardar

steve i think its a required to have certain cover to tender
also h and s method statment
and the elusive cis6

bettyboo

If you are running a business you must always have public and employers liability insurance, even if you are not employing direct labour. The labour you use through the sub-contracors are not your responsibility but as the client you have employed them and insurance is a GREY AREA!! If you are going to play with the likes of Laing and Wimpey, do your sums first, find out what their payment terms are and do they contra you for CITB levy, if so add it to your price. What do they expect of you, can you do the job in the time you say you can, who is supplying and responsible for materials (ps cant spell had a drink), weather etc.

As for the CIS4, get a limited company and try to get a 5, its not that easy unless you cann convince the tax man you are working nationwide and it is not cost efficient for you to be running round the country showing all your cis to just apply to the rules. A 5 is better than a 6, but a 6 is better than a 4. OMG im knackered now but i hope it helps you out.

stevebt

iTrader: (8)

cis6 card isnt hard to get hold of, but if your gonna try and make some decent cash from this i would turn limited as it will be better in the long run

bettyboo

Ps Wakeboarder, like your name, we have a air nautique and go boarding in the uk in the season, where you from??

Any help i would love to advise, i may be a girl but i have been in construction for the last 16 years!!!

Why, I dont know

wakeboardar

wow ive got a bayliner 18 with a fly high monkey bar
not been for a few season but when i get a chance im on grendon lake near mk or the eustuary in conwy my home is in dunstable beds,
what do you do in the construction industy

bettyboo

Will have to come back in the morning we are having food disptes i dont want it

BRB after watching last nights 24

wakeboardar

will pm soon for more advice soon if thats ok
contracting and 360 inverts
later Rod

Scooby Roo

Employer's liability Cover - £10,000,000 is the required level no matter who is employing you or how many you have employed.

Public Liability - £5,000,000 as a rule but this depends upon the contract your entering into.

You could always go for an Insurance bond whcih depending in the size of contracts your going for may be the cheaper alternative but my advice would be to go for straight cover.

Scooby Roo

Oh and trust me I'm a QS

wakeboardar

cheers roo just the job, it all depends on how many operatives i state, as a QS would you be looking at that its 500quid for 3 or 2200 for 10
oh how could anyone not trust a QS, Rod

bettyboo

Wakie, send me a PM and i will help you out all i can.

Betty

Scooby Roo

Rod

LOL we use the NEC Contract which states "trust and co-operation" as a core clause .

I would just be concerned that you had cover that was valid. Though you contract would certainly indemnify the Contractor of any blame or costs resulting from an accident.

Roo

Bram

Never trusted a QS specially with my bonus

john_s

iTrader: (1)

Most of our subbies seem to have £2M but a few have £5M public liability.

If you need increased cover for specific contracts, you can get a "top-up" policy to cover the difference.

I think £5M is the legal minimum employers liability cover, but everyone seems to have £10M.

WRT the CIS, etc, if I were in your position, I'd set up a limted company to trade as and push for a CIS 6. As a company, we prefer to employ subbies with a 6 over a 4 as it's less hassle.

John.

Scooby Roo

Your right it is £5m but not many Insurance companies recomend this and neither do many Contracts. Depending on the Contract the Public may be £2m but for the last 10 years I have worked with £5m.

Roo

bettyboo

bttp