Aspire
Well-Known Member
I have something of a challenge at the moment. My OH is due for surgery and will be out of action for some time. I struggle to with my own health issues to manage my three without his physical support and mowing the lawns is definitely outside my scope, so we were looking to employ some part time help. Simple enough you would think. The self employed person is out of the equation since a recent legal case devined that regular hours for an individual at one place of employment is deemed employment, not self employment. My house, outbuildings, stables, machinery and horses are all covered by NFU, however their employers liability on the house and outbuildings cover only applies to nanny, cleaner, gardener, not groom. I checked.
My coaching insurance is with KBIS, that offers employers liability too, but they said that was geared towards a coach support in arena etc, again not a groom/ stable hand. Both offered me yard business insurance. However, my yard is private and has my three horses only. If I take out business insurance then I could then be liable for business rates. The potential costs are spiralling well away from what I can afford. Does anyone else have any experience or suggestions please?
My coaching insurance is with KBIS, that offers employers liability too, but they said that was geared towards a coach support in arena etc, again not a groom/ stable hand. Both offered me yard business insurance. However, my yard is private and has my three horses only. If I take out business insurance then I could then be liable for business rates. The potential costs are spiralling well away from what I can afford. Does anyone else have any experience or suggestions please?