i am setting up a security door firm, when paying staff do i have to decline anything if they are self employe?

I-LOVE-U asked: my staff will be paid in cash or by cheque, but do i have to declare anything as its up to them to declare their taxes.

I am in the uk by the way.

also i am starting up, and have a really good pal that will do the first bouncer [...]

public liability/criminal conviction?

lufc asked: hi there, i have tried, but as yet, to no avail, to get public liability insurance, im struggling because i have had a criminal conviction within the last year. is it impossible to get this kind of insurance when you have a criminal record, or are there some companies out there that [...]

Organising a charity halloween party, do i need insurance for catering, or can i cater from home?

dollyminxture asked: My friend has organised a charity halloween party to be held at a large pub, she has asked her friends (me included) to make food to cater for a party size of over 100 including all types of people. she has also used our company to promote it. I am not sure if [...]

What if two different insurance companies find me at different faults (100% not at fault, and 50% at fault)?

thabboywannab asked: This is for the state of California.

I was in a car accident a couple of weeks ago. I only have liability insurance. After going through interviews by both insurance agents my insurance (Farmer’s Insurance) found me 100% not at fault. The other driver’s insurance (Mercury insurance) is only offering to [...]

Trying to get insurance for static caravan on own land?

grannysan asked: We have bought a static caravan to site on our own land for letting, but our house insurer says it will invalidate our current home insurance. Caravan insurers won’t insure unless sited on a licensed park. Business or home insurers won’t insure our home with the caravan on the land…Surely, since many other [...]

Do local authorities have to have public liability insrance?

Jen asked: Is there a UK law compelling all local authorities to have public liability insurance or do they just have a contingency (or centrally held) fund to cover any claims?

I can’t find information on this anywhere, only on LAs’ requirement for subcontractors to have PL insurance.

Link to any relevant legislation would be much [...]

Learning about Liability Insurance

Liability insurance is basically an insurance system that protects the insured from expenses arising from legal liability. The insurance is taken as a protection from third parties and is actually a requirement. The reason for this is that their products has the possibility of putting other people at risk. Although it is impossible to eliminate [...]

New Business from home – Does this effect buildings insurance?

Hamo2009 asked: Hello,

I am in the process of starting an online business whereby I will be selling small quantities of organic wine imported from South America via an online website.

I will be storing the wine, no more than 900 bottles in my garage and will have the required licenses to do so. I [...]

Public liablity insurance (UK)?

tri-angle asked: I had a plumber in this morning, who disconnected the main power supply to work on the electric shower, but now we could not get any electric in the property at all. He called for his electrician and said that any major repairs / board faults will be at my expense. Can I [...]

Help with wording for an advert please?

mummylove asked: I am hoping to start a new service in my area.
I want to let peoples dogs who are left home alone out for a *** and a poo.
I have an enhanced police check and references.
I just cannot come up with the right words to describe the service I want to offer [...]