Been offered a job as self employed
How does the insurance work in this case? Is the truck insured or driver? Do I need any extra insurance?
To paraphrase Nick Ferrari,
“If you have to ask a question like that, maybe you shouldn’t be considering “self-employment” in the first place?”
Johny Bravo:
Been offered a job as self employed
How does the insurance work in this case? Is the truck insured or driver? Do I need any extra insurance?
I’m not sure how you can be offered a job (assuming you mean permanent full/part time) and be self employed at the same time?
tmcassett:
Johny Bravo:
Been offered a job as self employed
How does the insurance work in this case? Is the truck insured or driver? Do I need any extra insurance?I’m not sure how you can be offered a job (assuming you mean permanent full/part time) and be self employed at the same time?
Hasn’t the law been changed now, to stop such abuses of SE law over PAYE directly-employed contractors?
The premium that SE used to earn over PAYE - seems to be disappearing, all over these days…
Why would anyone even be looking for SE parity pay work, with all the admin hassles, paying both ends of stamp, no sick/holiday pay etc etc that goes with SE over PAYE?
Johny Bravo:
Been offered a job as self employed
Is that not an oxymoron?
Johny Bravo:
Been offered a job as self employed
How does the insurance work in this case? Is the truck insured or driver? Do I need any extra insurance?
It depends entirely on the terms and conditions you have in your Terms of Business you get the client to sign as to what you need. You absolutely do need a rock solid terms of business you get them to sign because without that you’re wide open not only to how much they can claim off you for damages but when they choose to pay you - without stating payment terms they can just pay you when they please, if at all. I can’t be arsed to go searching for it but I posted those I used on here several years ago which themselves were based on what numerous agencies used, so you can use those as a template.
Typically the company running the lorry will have insurance that covers “anyone employed by or acting on instructions of the company” cover so as long as you’ve not nicked the truck you’re covered for driving on the road. For damage and loss though that comes down to the terms you have in your contract you get them to sign. In mine I had a term that stated that neither I or any of my representatives were responsible for losses and costs occurring from any actions of myself or my employees. Without that you’re basically making yourself liable for hundreds of thousands of pounds.
One thing you do need though is public liability insurance. It’s pennies, typically £100 a year which will give you a couple of million quid of cover will be more than enough. That will cover you for anything you do that isn’t covered by the vehicle insurance which results in injury to someone or damage to property.
Winseer:
Hasn’t the law been changed now, to stop such abuses of SE law over PAYE directly-employed contractors?The premium that SE used to earn over PAYE - seems to be disappearing, all over these days…
Why would anyone even be looking for SE parity pay work, with all the admin hassles, paying both ends of stamp, no sick/holiday pay etc etc that goes with SE over PAYE?
The only thing that’s been changed is tax rules in regards to those trading as a Ltd Company, in particularly IR35. As a Ltd Company you can use the small income and dividend model of paying yourself which deprives HMRC of a bucket load of both employer and employee NI. If you operate your business as a sole trader then IR35 doesn’t apply and HMRC don’t care because you can’t use anything to avoid paying NI like you can operating as a Ltd Company so are going to effectively be paying the same amount of tax/NI as someone on PAYE with the same taxable income.
If the job is as a driver, being self employed is a no no by the TC, the operator should know why, and if they don’t then do you reallly want to work for them. If you’re being expected to have some work liability, hence the insurance, is it including motor insurance!!!,!
Thanks for all responses
Bloke who owns that “company” told me all his trucks are obviously insured and he can send me a text saying they will not make me liable for any damage to trucks etc. He said “ask other lads, I would never charge them for any damage” but he was really elusive when I wanted to talk about signing any type of agreement between them and me.
I’m really sorry if some of this stuff sounds silly to you but I’m not been in this field before.
It looks really dodgy so I will stay away from it anyway. Am I wrong here?
I think you’re using the smell test correctly - ie if it doesn’t pass the smell test, move on
Johny Bravo:
Thanks for all responses
Bloke who owns that “company” told me all his trucks are obviously insured and he can send me a text saying they will not make me liable for any damage to trucks etc. He said “ask other lads, I would never charge them for any damage” but he was really elusive when I wanted to talk about signing any type of agreement between them and me.I’m really sorry if some of this stuff sounds silly to you but I’m not been in this field before.
It looks really dodgy so I will stay away from it anyway. Am I wrong here?
As a mate of mine who has a few businesses always says “show me the signature.” If there’s no signature it effectively doesn’t exist.
A text is not good enough. You want a rock solid agreement in writing given to both parties signed laying out your liabilities and also the terms of payment too, so for example payment due within 7,14,28 days from date of invoice. Anyone who is running a business legitimately will have no problems with signing a contract. If he’s not willing to sign an agreement then don’t work for him because he’s clearly as dodgy as hell and you’re leaving yourself wide open not only to him deciding you are paying for any damage you do but to not even being paid at all or being paid as and when he feels he wants to. A contract sets everything out in stone and if it all turns to crap and ends up in a court claim should he decide to not pay you or deduct an amount for damages he said you’d not be liable for or use that as a reason not to pay you it gives you a document which proves what was agreed with both yours and his signature was on so he can’t claim something different was said.
Acorn:
If the job is as a driver, being self employed is a no no by the TC, the operator should know why, and if they don’t then do you reallly want to work for them. If you’re being expected to have some work liability, hence the insurance, is it including motor insurance!!!,!
I’m currently not self-employed yet.
Can I be legally self-employed and drive someone else’s truck to carry out jobs for them? Found some stuff on the internet saying I cannot do that but also that there are people who do.
Can I start doing work for the customer without being registered as SE?
I know there is a lot of info all over the internet but would really appreciate someone more experienced with some guiding
@ They also just sent me a msg on whatsapp with scanned document stating that their trucks are indeed insured for any driver with permission to drive it and also general vehicle damage and wear and tear are paid for by the company and I’m not expected to cover this however they expect me to always drive with due care and attention etc. Addressed to me with todays date signed by the director of the company. I’m quite happy with this but would appreciate someone else’s point of view
@@ Now is there any place where I can find some sort of guidance how to word agreement between them and me? I will send it to them and see if they are happy to sign it