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Insurance advice please

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Sara-Jo

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Hi all I hope some can help. I have just been offered a comision based self employed position doing beauty therapy & gel nails in a hair salon yay I was under the impression that I would need my own insurance but the salon owner says as everyone is self employed there her insurance covers us all? Is this right and if so how can I check without offending her that I am covered. Any advice would be great. Xx
 

beautestation

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I'm not sure where around the globe you are, but in Australia, if your self employed, you work for yourself, & need to obtain your own insurance :)
 

Haircutz

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No, she's wrong.

If you are self employed you must purchase your own insurance. You are a separate business entity and your clients have a contract with you, not her.

Read this guidance document at the following link...

http://www.salongeek.com/threads/hmrc-guidelines-for-determining-self-employment.295298/

Note:
1. Status
The independent contractor (the Contractor) within a salon should be self-employed.
The business or enterprise of the Contractor should be independent of, and separate to, that of the salon and:
...
attend to its own insurance requirements, including public liability insurance;



Print out a copy of the full document and take it with you and show her. She can't argue with HMRC.
 

Sara-Jo

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I'm not sure where around the globe you are, but in Australia, if your self employed, you work for yourself, & need to obtain your own insurance :)
Thanks for the reply beautestation , I am in England and that was what I thought but she said we were all covered by hers so just wanted to double check. Xx
 

Sara-Jo

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No, she's wrong.

If you are self employed you must purchase your own insurance. You are a separate business entity and your clients have a contract with you, not her.

Read this guidance document at the following link...

http://www.salongeek.com/threads/hmrc-guidelines-for-determining-self-employment.295298/

Note:
1. Status
The independent contractor (the Contractor) within a salon should be self-employed.
The business or enterprise of the Contractor should be independent of, and separate to, that of the salon and:
...
attend to its own insurance requirements, including public liability insurance;



Print out a copy of the full document and take it with you and show her. She can't argue with HMRC.
 

Sara-Jo

Member
Joined
Mar 8, 2016
Messages
5
Reaction score
2
Location
Mansfield
No, she's wrong.

If you are self employed you must purchase your own insurance. You are a separate business entity and your clients have a contract with you, not her.

Read this guidance document at the following link...

http://www.salongeek.com/threads/hmrc-guidelines-for-determining-self-employment.295298/

Note:
1. Status
The independent contractor (the Contractor) within a salon should be self-employed.
The business or enterprise of the Contractor should be independent of, and separate to, that of the salon and:
...
attend to its own insurance requirements, including public liability insurance;



Print out a copy of the full document and take it with you and show her. She can't argue with HMRC.
Thanks for the reply haircutz. That is great thank u and very informative will take this in. I didn't think her insurance could cover us being self employed and didn't want to just take her word for it and be in the wrong myself. Xx
 

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