Your Questions ? Answered

A member of IOMST had the following Question.

Question 1;

I have family members who help me while trading. If they get hurt am I covered for such claims?

Answer; Family members, helpers, volunteers are, under the law, deemed to be employees, therefore the policy holder should have Employers Liability Insurance.

Question 2;

I am a stall holder and when erecting my stall I ask a fellow trader for assistance and subsequently they hurt themselves. Is this covered under my public liability insurance?

Answer; No, not usually. As they have engaged with you to help in the course of your business, they then become a volunteer/helper and would therefore not be covered under a Public Liability policy. In this instance, any claim could only be made against an Employers Liability policy.

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