refusal point bcz Employer's Liability Insurance

Hi Everyone Here

I applied PSW Switch to Tier 1 (50K) and my application has been refused because of i dont provide employer's libility insurance ( i did not buy Employer's Liability Insurance. i will be really grateful if anyone could give me best and honest advise and thanks in advance.

Regards

Di you provide any kind of business insurance ?

Unfortunately not!

nasirkhan wrote:Di you provide any kind of business insurance ?

Unfortunately not, but I buy one after the refusal

yyhh1 wrote:

nasirkhan wrote:Di you provide any kind of business insurance ?

Unfortunately not, but I buy one after the refusal

When did you apply ??????

Just search online and compare. Do you have employees ? If not how can they refuse your applications on such a flimsy pretext ?

nasirkhan wrote:

yyhh1 wrote:

nasirkhan wrote:Di you provide any kind of business insurance ?

Unfortunately not, but I buy one after the refusal

When did you apply ??????

12/2013 Apply; 01/2014 Interview; 02/2014 refusal and start appeal；22/10/2014 (tomorrow) Hearing!!!

so please help me!! If they asking about the insurance what im suppose to say? Is there any other advice about the hearing process?

If you are the only employee of your company, you are exempt from getting Employers liability insurance otherwise you are in trouble.

nasirkhan wrote:If you are the only employee of your company, you are exempt from getting Employers liability insurance otherwise you are in trouble.

I have two staff who work for me. But The fact is one of my employee is based in china, the other one was unpaid student from 12/2013-03/2014 (at the interview 01/2014 I answered that i dont have insurance) and become my employee after 03/2013 at that time I have the insurance (It has been attached in my appeal eveidence already). The questionis Do I need to explain it tomorrow at the court? Thanks!!!!

yyhh1 wrote:

nasirkhan wrote:If you are the only employee of your company, you are exempt from getting Employers liability insurance otherwise you are in trouble.

I have two staff who work for me. But The fact is one of my employee is based in china, the other one was unpaid student from 12/2013-03/2014 (at the interview 01/2014 I answered that i dont have insurance) and become my employee after 03/2013 at that time I have the insurance (It has been attached in my appeal eveidence already). The questionis Do I need to explain it tomorrow at the court? Thanks!!!!

Just say that you were not bound by the law to have employers insurance whilst you were a 1 man company and as soon as you hired employer/s, you got the required insurance.

Here is the detail :

http://www.hse.gov.uk/pubns/hse40.pdf

nasirkhan wrote:

yyhh1 wrote:

nasirkhan wrote:If you are the only employee of your company, you are exempt from getting Employers liability insurance otherwise you are in trouble.

I have two staff who work for me. But The fact is one of my employee is based in china, the other one was unpaid student from 12/2013-03/2014 (at the interview 01/2014 I answered that i dont have insurance) and become my employee after 03/2013 at that time I have the insurance (It has been attached in my appeal eveidence already). The questionis Do I need to explain it tomorrow at the court? Thanks!!!!

Just say that you were not bound by the law to have employers insurance whilst you were a 1 man company and as soon as you hired employer/s, you got the required insurance.

But I`ve been mentioned about those two people at interview I'm not sure if is ok to say I dont have any one help me (My lawer advised there is definition difference between staff /worker and employee, I just not really sure how to make such point in a righy way).

yyhh1 wrote:But I`ve been mentioned about those two people at interview I'm not sure if is ok to say I dont have any one help me (My lawer advised there is definition difference between staff /worker and employee, I just not really sure how to make such point in a righy way).

I don't know about that bruv. Maybe someone more knowledgeable here can elaborate.
Good Luck and post your experience here.

nasirkhan wrote:

yyhh1 wrote:But I`ve been mentioned about those two people at interview I'm not sure if is ok to say I dont have any one help me (My lawer advised there is definition difference between staff /worker and employee, I just not really sure how to make such point in a righy way).

I don't know about that bruv. Maybe someone more knowledgeable here can elaborate.
Good Luck and post your experience here.

Thanks for helping, good luck for everyone!

Hello yyhh,

Sorry to hear your refusal.

Nasir khan 100% right that 'you were not bound by the law to have employers insurance whilst you were a 1 man company and as soon as you hired employer/s, you got the required insurance.'

Because i was going to have business insurance for my company , insurance company asked me question that do i have any employee i said no..then insurance company person told me that i am not liable for insurance untill i hire atleast one employee..

So in your case if you had hired any employee at the time of application then you needed insurance but if you were on your own then you did not need that.

Cheers.

Good luck

employers' liability is its name, not necessarily means it is all about employees if a business has any. in his case he did not have any compulsory insurances at all that a business must have, known as ''professional indemnity'' and ''public liability''. and yes off course one can choose not have employers' liability insurance towards employees if a business does not have an or any employee but if you plan to employ anyone in near future you should have this policy added to, and price wont go up even if it did,be few£.

Have you got a lawyer representing you? It would say you should get one to avoid falling into the legal trap

Sonheaven, please stop advertising your lawyer on this forum. This is against the policy of this forum.

Guys, I filtered through the past posts of this person. 95% of this person's posts (sonheaven) are about referring people to his lawyer. This person is probably himself lawyer/accountant posing to be a client and referring innocent people to himself to generate business.

Beware.