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Posted By Lala
Do you ensure you have PL insurance for delivery persons such as couriers and/or delivery persons who take goods into the premises such as DHL or a furniture delivery company?
Also, if a contractor has PL Insurance, does this also cover their sub-contractors or do they need separate?
Just a few questions raised in my office. A new policy is in place to request PL insurance from contractors or no entry but where do you draw the line?
Thanks
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Posted By anon1234
The insurance company would be able to tell you whether your insurance covered 'non employees' doing activities on your behalf
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Posted By David Bannister
Lala, it depends on what damage you think they are capable of doing and how likely they are to do it (sounds like risk assessment).
The simple parcel delivery by courier is probably at the bottom end of what a rogue contractor may achieve whilst the incompetent electrician is capable of mass destruction.
All should have motor insurances for when they hit your employees but may not have public liability insurance for when they drop a spanner in your machines.
Suggest a reasonable approach is taken here - it does not make sense (not is it practicable) to seek verification of insurance from a courier who is delivering a parcel. However the jobbing builder who repairs your roof should certainly be required to produce evidence of competence and insurance cover.
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Posted By Barry Cooper
Lala
We have introduced a policy 3 months ago that contractors must have the necessary insurance. EL, PL, And Product Liability. and if they are consultants, Professional indemnity insurance.
Without it they cannot enter the site. It is a good idea, and was easy to set up, but a nightmare to manage, particularly since we have over 100 contracting company's, and our engineers are not interested in reducing this number.
We have set up a spread sheet to monitor expiry dates, but again someone has to check it, and of course engineers don't see it as their job, and neither does anyone else.
Good luck, if you find a good system to manage it, please let me know
Barry
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Posted By Phil Grace
Lala,
I'm with Barry on this one. All and any contractors who come onto your site should carry PL insurance. As pointed out there is a wide range of possible adverse outcomes from an electrician causing major problems to a courier just dropping a parcel. But if you draw the line and choose not to check for, say the courier, then you accept the responsibility on your own insurance if something goes wrong, the courier does cause an accident AND doesn't have insurance cover.
As for contractor's cover - this would not normally cover their subcontractor so the safest approach for you is to make it a requirement of any contract that your contractor checks the insurance cover of their sub-contractors. Then if it goes pear shaped you can make it the responsibility of the contractor, for failing to check, for failing makes sure cover was up to date, of sufficient indemnity etc.
Regards
Phil
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