Working with Freelancers, do you understand your responsibilities?
When I talk to the majority of my clients the subject of Freelancers is regularly a topic for discussion. The reason for this is within the Audio Visual and Events Industry they are commonly used as a source of labour and understanding your responsibility towards them is key. Many clients believe that they fall into the same category as a Bona Fide Sub-Contractor and therefore they have little responsibility towards them. There is a big difference between taxation law and employment law and the following article will help you determine the difference between the two.
It’s okay they have their own insurance
The one constant message that I always hear when I talk to my clients about correctly insuring Freelancers is “it’s okay because they have their own insurance”. However, if a Freelancer is working for you, he will usually be regarded as your employee on that day and having their own insurance may not make a difference.
Why does it matter?
Because of their temporary employee status, you will have the same duty of care towards him as you would towards your own employees. Your Health & Safety Policy and Risk Assessments therefore need to take this into consideration. If a Freelancer is injured on site, they will usually have a claim against your Employer’s Liability Insurance and therefore their wages need to be declared to your insurer on the same basis as employees. If they have not been correctly disclosed, it could invalidate your insurance.
Get yourself out of the grey with our helpful checklist
To help you understand for insurance purposes the status of the sub-contractors we have the following guide. This will help you determine whether a worker is a Freelancer or Bona Fide Sub-Contractor.
Please note the above checklist is only a guide to correctly covering Freelancers and should you require expert advice please contact Luker Rowe.
Lewis Blythe is an account manager at Luker Rowe Insurance Brokers