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Bona-fide sub-contractors are generally deemed to be contractors who work without direction from the Insured, hold their own insurance and usually provide their own materials and tools.

As long as they are not working under the direction of the Insured, have their own legal liabilities and insure for themselves, there is no need to include them in the count of employees.

What insurers will not do is extend the insured's policy to include the legal liabilities of the bona-fide sub-contractor - they should have their own public liability insurance in their own name.

Please note that it is a condition of most insurance policies that the Insured checks that bona-fide sub-contractors have their own public liability cover to at least the same limit of indemnity as the Insured before they appoint them.

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15y ago

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