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gemma_florida | What insurance does my partner need? |
My partner is a fully qualified carpenter/joiner, and his boss has decided to dissolve the company, leaving him out of a job in two months. We both see it as the perfect opportunity for him to set up his own business, but we're not 100% sure what kind of insurance he legally needs to have - any suggestions/companies greatly appreciated!
Additional Details
Ps we're based in the UK! |
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Dan Insurance Man
 |
Your partner should have Public Liability insurance to cover himsefl against injury to third parties & third party property damage during the course of your work.
If he has no employees (and therefore does not need employers liability cover) you should not pay more than £80-£120 for £1,000,000 Public Liability cover.
He will also be able to cover his tools as an extension to your liability policy- usually around £60-£70 extra for £1500 cover (higher cover available if required)
As he will now be self employed he may want to consider a 'Personal accident and Sickness' policy to give some protection against loss of income for injuries or long periods of illness that prevent you from carrying out your work.
I would advise you speak to an insurance broker
I can help you with the cover you need if you like- www.gothicinsurance.com - or go to your own local broker |
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RRM
 |
He needs at least public liability insurance, covering at least £2m. He should speak to a specialist broker. |
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SG
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He'll definately need Public Liability insurance. Also, if he takes on any employees he'll need Employers' Liabilit y (this is a legal requirement). Maybe some theft insurance for his tools? And car insurance for his works vehicle. What about some Income Protection for himself in case he's unable to work and you're relying on his money?
Good luck! |
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jane H
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He'd definately need some form of business insurance and maybe public liability to cover if sued (thats the society we live in) have a look on http://www.moneysupermarket.com/business-insurance/ they've got loads of companies on there for self employed people and there appears to be some links to sites with advice, hope this helps and good luck :) |
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Oracle
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I would suggest a Public Liability (PL) policy. To this, you can often add additional elements that he may or may not wish to incorporate (including cover for tools, personal accident cover, Employer's Liability (if he takes on staff) and, if necessary, premises insurance.
Speak to a broker about your requirements and they will be able to advise you further. |
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vera-ann
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public and employers liability insurance. buildings and contents insurance for his premises. |
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