THIRD PARTY SAVVY WORKING
For many parks bringing third parties and contractors on site to complete works is part of everyday life. Whether it’s for large developments, upgrades or just simple repairs and maintenance, having other businesses onsite is a regular occurrence.
As we head into the period when many parks undertake important maintenance and development work, specialist holiday park insurance providers, Compass, have put together some helpful tips to consider when it comes to insurance. Contractors come in all shapes and sizes, from large commercial businesses to bona fide contractors.
Regardless of the type of their business, the length of contract and the work they are undertaking, when coming onto your park requires them to have their own insurance cover. The only exception is if you’re employing a labour-only sub-contractor as they are automatically classed as your employee by most commercial policies and would therefore be covered on your own policy.
From an insurance perspective you want to check that:
• The contractor does have insurance in place
• That insurance is specific to the work they are going to undertake
• Their insurance doesn’t expose you and your policy to any claims
Remember, a contractor working on your park without the right level of insurance could expose you, the most obvious way is in your liability to the public. The limit of indemnity (LOI) on Public Liability needs to be the same as the limit you have on your Park business policy, referred to as being ‘back to back’.
If it isn’t then in the event of a liability incident, you could find yourself picking up the gap in an award to a claimant. Compass has produced a handy check list for you to use which you can find on www.compassparks.co.uk