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Insurance query for small business

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  • 21-10-2013 1:06pm
    #1
    Jonodaly
    Registered Users Posts: 4 ✭


    Hi, Would anyone know if employer liability insurance is required when hiring a person for 1 or 2 hours a week to teach a course in a community centre. i.e. it's a small language school which has rented out a room there. We have public liability insurance, but question the need for employers liability. The teacher will invoice us for the hours worked, a subcontractor of sorts. Any advice would be great. Thanks,
    Tagged:


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    #2
    Kristopherus
    Registered Users Posts: 11,907 ✭✭✭✭Kristopherus


    If the teacher is a sub-contractor, then he/she should have their own insurance cover.


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    #3
    Jonodaly
    Registered Users Posts: 4 ✭Jonodaly


    Great, thanks. That's what I was thinking but wanted to make sure.


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    #4
    kencoo
    Registered Users Posts: 212 ✭✭kencoo


    If the teacher is a Bona Fide Sub contractor they should have their own insurance. BFSC test is 1: Own tools, 2: Invoice rather than paid a wage 3: Look after their own Taxes 4: have no master servant relationship. (i.e. they would teach what you requested but have their own notes.) .

    If they do not tick one or all of the boxes they are employees and need EL insurance. For the teaching industry EL insurance is very cheap (rate of 0.05% to 0.10% of Gross salary) and an easy add on for your PL insurer.


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