Hi all, when inducting contractors on site - what should we be asking for, public or employers liability insurance certs (or both!). Thanks.

Depends on what these contractors are doing at your site. In all cases you want to know they have cover for their employees.

If they are conducting work that could impact your employees or site visitors e.g. construction or refurbishment works then you want to be able to lay any public claim at their door for their acts or omissions.

So by example:

for a photocopier engineer I would want employers liability

for someone re-surfacing the car-park I would want public and employers liability

We ask for both, PI is a nicety unless providing advice, then we have a minimum cover  to be met prior to approval.

Surely it would be the except rather than the rule for a business not to require SQ8ipublic liability cover. Quite hard to think when it wouldn't be need to be honest. Obvious but one to remember, employers liability is only required if there are employees, so single tradesperson or consultant wouldn't need it.  

Edited by user 23 December 2020 08:31:15(UTC)  | Reason: Typo

Originally Posted by: AcornsConsult

Surely it would be the except rather than the rule for a business not to require SQ8ipublic liability cover. Quite hard to think when it wouldn't be need to be honest. Obvious but one to remember, employers liability is only required if there are employees, so single tradesperson or consultant wouldn't need it.  

I'm also sure that if you have employees and they are close family members you do. not require employers liability either.