Myself and DH have a limited company,
He works as a Site Manager, I do paperwork, help him get new contracts, do the odd bit of labouring/cleaning on sites when required.
When we set up a limited company I sorted out our liability insurance. The company I dealt with told me for their purposes he was recognised as a project manager, I thought it sounded odd, but said if that’s what they defined him, ok, BUT a PM was different to a SM- and what his job was.
Yes mrs hippo that role is defined as a project manager to us.
Ok so I bought the insurance, it costs not much under £100 a month.
So DH is starting a new contract tomorrow, the company wants his insurance details as a matter of course! Love their paperwork sometimes. DHs insurance isn’t enough this time, I’ve just called to up his insurance to be told that they don’t cover his role.
We have been paying this for 6+ months.
We have believed we’ve had insurance. I 100% stipulated what it was that DH did when buying insurance, as a freelancer he needs the amount of insurance to cover his arse, cos if it can be blamed on anyone it would be a subcontractor who gets the blame. We have legal cover, personal injury cover. If a claim was ever needed we couldn’t have claimed.
I feel really angry, I feel like we should be entitled to get the policy dues back as they wouldn’t have paid out for us anyway because it turns out they don’t cover us.
Does anyone know where we might stand with this please?