Employers Liability Insurance In The USA

[RoryD]

A colleague is forming a new company but is having a devil of a time finding quotes for Employers Liability Insurance. To rephrase, the quotes are there but it appears not without taking a"small Mortgage out". Hearing the figures are quite unnerving. If anyone can offer advice on realistic prices or can relate their experiences I would be grateful. He has public liability Insurance sorted, it's just this particular requirement to prevent himself being sued if someone cracks his nails or something!

 

[king of pipes]

Contact a company called A plan they sorted me out when I had a tricky time finding insurance, also AXA are competive maybe worth a call directly. Kop

 

[WC1]

How many employees does he have?

 

[bacon_sandwich]

Axa and Hiscox i have used

 

[Jim Goodenough]

I've used Thistle Underwriting and found them quite good.

 

[RoryD]

How many employees does he have?

How many employees does he have?

My understanding is that as he's employing contractors, it covers any number and specifically any claiming contractor at the point of a claim.
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Thanks very much for the input chaps, there's enough for him to be getting on with there. Hope to give some feedback.

 

[WC1]

If they're properly self employed then he shouldn't need "eli" but he may need to deal with "cis" - it's easier to get your accountant to do this, it's a minefield, (unless he's "doing a Pimlico" and calling his guys self employed when they may not be... ) he should be getting this advise from his own employment consultants imo.
Towergate insurance- my 2p

 

[oz-plumber]

Contractors should have their own insurance.
The trick comes when there's a claim. Who is liable?

Obviously the company who is contracted to do the works.
But if that company uses contractors, then the contractors are technically liable.

If there is a claim, the customer sues the company they contracted to do the works, which then sues the contractor doing the works.

Minefield???
Usually the company that is contracted by the customer loses out.
That may be why the premiums are high.

The only real way out is to have the sub contractors provide full quotations for the works they perform.
Then you have as a contractor, a legitimate path to sue your sub-contractor.