Although not a legal requirement, as a sub-contractor it’s essential you take out public liability insurance, even if you’re working for someone else. You could still be liable if something were to happen as a result of your work. 

It’s not a legal requirement to have business insurance if you work alone, but you should consider it in case someone makes a claim against you or you need to make a claim.

Without the right insurance in place, you could be left to pay the price. 

If you work alone, then employers' liability insurance is not needed. But, if you bring anyone else on the job, including staff or even apprentices, then you’ll need to take out employers’ liability insurance. If you don’t, you’ll be breaking the law.  

Speak to our knowledgeable insurance team at Bionic to find out what insurance you need to meet your requirements. Start a quote online today to get started.