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Some clients decide to manage their own projects but also engage labour only sub-contractors to work for them. This labour resource is managed and directed by the client, so falls under the Employer’s Liability (Compulsory Insurance) Act for the purposes of insurance.
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Our combined policy does not cover employer’s liability, however we can arrange separate cover for those clients who need it. As with any employer’s liability proposal there is an additional question set about the management of the site and experience of the client in running labour only sub-contractors.
Even though a worker may say they are self employed, they may be viewed differently by the HSE when a claim occurs and you can rest assured that their attitude will change if they are injured and unable to work.
The rates for Employers’s Liability in construction are high and the minimum premiums unattractive, so its worth spending some time making sure that the circumstances described by the client are the ones that prevail on the ground. Clients may think they are saving money by using labour only sub-contractors, but often those cost savings are obviated by the higher risk they run in managing a site themselves rather than leaving it to a main contractor.