Good adverting is normally priceless but it turns out, it can also be costly. This subject comes up regularly, but here is another reminder. A contractor put his company logo and contact details all over his van and it looked great. Whilst it said ‘call me if you need some work doing – I am…
To ensure your insurance policy is up to date, you MUST inform insurers if there are any changes to your business such as, but not limited to: If you switched from driving a Ford Fiesta to a new Mercedes and it was stolen, you probably would not be covered if you had not informed your…
When should a subbie be an employee for tax purposes? We are referring to being ‘forced’ to move on to PAYE. There is a lot of chat about this, but unfortunately, there isn’t a simple answer to this question. The first point to note is that for insurance and health and safety purposes, subbies are…
I have just discussed another Employers’ Liability claim where people have ‘lent’ out their subbies to work for another contractor. The subbie then got injured on ‘someone’ else’s job. The problem arises if you say: ‘go and do that for Max’, you could be seen as having given an ‘instruction’ and it’s a slippery slope from…
The Bad News Unfortunately, in August 2022, Ben, a 32-year-old contractor from Tunbridge Wells, suffered a serious injury at work following an accident with some machinery. This resulted in the amputation of a finger, and he has been unable to work since. Silver Lining Thankfully, Ben had arranged Personal Injury Insurance through us. A few…
If you are thinking about setting up in business, and the idea of going into business as a ‘partnership’ with a friend is appealing – make sure you’ve really thought it through! A partnership is a proper legal partnership that’s registered with HMRC, and not just two friends working together. You may also be referring…
Don’t forget to get your tax return completed in time! The deadline submitting your Self Assessments and making payments is midnight on 31st January 2023. We know it’s one of those annoying jobs. But on the upside – a big bill should mean your business is successful!
The team at Tree Surgeon & Forestry Insurance are looking forward to spending some time away from the office with our families. We will still be available for our customers. Our Christmas opening hours are: Monday 19th December – 9am to 5pmTuesday 20th December – 9am to 5pmWednesday 21st December – 9am to 5pmThursday 22nd…
The Arb Show is back next year on Friday 12th & Saturday 13th May 2023 at the National Arboretum in Westonbirt. Make sure you put the date in your diary. We’ll be there! It is bound to be another brilliant event. Let us know on our Facebook post if you’ll be there! You can find…
My favourite quote from Winston Churchill is ‘Don’t believe everything you read on the internet’. This came to mind because I have just read a post online which said, ‘you don’t need Employer’s Liability Insurance if you are using subbies who have their own insurance’! Hopefully you already know that this is NOT correct and…
