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A contractor Buys Commercial Liability Insurance in the contractor class, not professional liability insurance. The amount needed is typically determined by the exposures presented or as specified by the employer.
Liability insurance is required for contractors in many states as a requisite to work. It protects both the contractor - the worker, and you - the employer, from any liability if the contractor is injured on the job (at your home.) Basically, if he is insured, you don't have to worry about being sued if he gets hurt on your property.
If the worker is on the company's payrolls - Yes
employer is going to 1099 me. I am not a licensed contractor, will this affect me?
Vicarious liability is liability for damages that is imposed on one person for the actions of another person who actually caused the damage. Liability is imputed this way usually because of some legal relationship between the two. Relations can be employer-employee or principal-agent and the like.
a nominated subcontractor, with various provisions for obtaining indemnities by the subcontractor (or Employer) but under the main contractor responsibility and coordination, or ** another contractor, which FIDIC provides the incumbent Main Contractor is required to give site access, etc, etc to but coordinated by the Employer My own understanding, very simply put is that a nominated subcontractor is actually a "normal" subcontract between Main Contractor and Subcontractor, BUT that the nominated subcontractor is selected by the Employer and price agreed with the Employer directly. That would mean that the Main Contractor has the accountability for the subcontractor, notwithstanding any indemnities. The Consultant has stated today that in their opinion: ** the nominated subcontractor is selected by the Employer and signs a contract direct with the Employer ** the Employer will secure assurances, bonds / performance sureties and warranties direct with the subcontractor, and ** that the Main Contractor DOES NOT sign a subcontract with the subcontractor ** that the main Contractor will not be held liable for certain specified warranties My understanding is that the Main Contractor still should sign a subcontract with the nominated subcontractor and assumes the responsibilities of a Main Contractor over the Subcontractor - though the Employer states that the Main Contractor has no liability specified warranty issues and quality (only). I would believe the Main Contractor still has a number of responsibilities in respect of the subcontractor and their general performance. The Consultant assures they have checked FIDIC and it is normal for the Employer to sign a subcontract direct with the Nominated Subcontractor. I would believe in that case it is not a "Nominated Subcontract", but instead a direct supplementary contract between the Employer and their Contractor (secondary contractor) Can you kindly advise quite simply, the contractual position of a nominated subcontract under FIDIC ...... ie does the Employer sign the contract / subcontract with the Nominated Subcontractor, or is it a subcontract between Main Contractor and Nominated Subcontractor with the normal (in general terms) obligations by the Main Contractor for the Subcontractor, to the Employer.
Liability falls first to the employer. However, employees who cost an employer money could be held liable if the employer files a claim in civil lawsuit or in small claims court. For example: A man is hired to work on a job install tiling in a bathroom. Though a sub-contractor, the man cuts the tiles wrongly, applies too little adhesive so some fall down, and in frustration the man smashes half the tiles. This costs the main contractor $3,000 in time, supplies, and salaries. Though he fires the man immediately, the contractor also sues the sub-contractor for the losses. As well, the homeowner files a claim against the main contractor, so as a result the main contractor in turn can sue the sub-contractors.
Yes, employer can request to the contractor to give him a health certificate so that save himself from the future consequences.
One can find a quote for employer's liability insurance online at various websites. One can get quotes for employer's liability insurance at websites such as Compare the Market, MoneySupermarket, and AXA Insurance.
It would be a rare employer that does not have rules against it. However, as a contractor, you can independently state your hours and how you do your work.
A Health Reimbursement Arrangement, or HRA, is an IRS approved, employer-funded, tax advantaged employer health benefit plan that reimburses employees for out of pocket medical expenses and individual health insurance premiums. A health reimbursement arrangement is not health insurance. A health reimbursement arrangement allows the employer to make contributions to an employee's account and provide reimbursement for eligible expenses. A health reimbursement arrangement is an excellent way to supplement health insurance benefits and allow employees to pay for a wide range of medical expenses not covered by insurance. It is often referred to (incorrectly) as a health reimbursement account.
A Health Reimbursement Arrangement, or HRA, is an IRS approved, employer-funded, tax advantaged employer health benefit plan that reimburses employees for out of pocket medical expenses and individual health insurance premiums. A health reimbursement arrangement is not health insurance. A health reimbursement arrangement allows the employer to make contributions to an employee's account and provide reimbursement for eligible expenses. A health reimbursement arrangement is an excellent way to supplement health insurance benefits and allow employees to pay for a wide range of medical expenses not covered by insurance. It is often referred to (incorrectly) as a health reimbursement account.