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Why Bona Fide Status Changes Insurance Expectations
- Independent responsibility for the work
- Greater expectation of your own public liability cover
- Need to protect your own tools, labour setup and trading continuity
Where Buyers Get Caught Out
Problems usually appear when a subcontractor assumes the main contractor will pick up liability or when site paperwork demands certificates the subcontractor does not yet have in place.
Use this guide with subcontractor insurance, contractor public liability insurance and contractor tools insurance.
Related guides: what insurance do subcontractors need, labour-only subcontractor insurance guide, and public liability requirements UK.
FREQUENTLY ASKED QUESTIONS
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Do bona fide subcontractors need their own insurance?
In many cases yes, because bona fide subcontractors are usually expected to operate as independent businesses with their own cover.
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What cover do bona fide subcontractors often need?
Public liability, tools cover and employers' liability where staff are engaged are common starting points.
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Why is this different from labour-only subcontracting?
Because bona fide subcontractors usually carry more independent responsibility for how work is delivered and insured.