Blog: Bona fide sub contractors – a hard sell?
Martino D’Aliesio, lead underwriter – casualty at Ensurance, on the key questions for brokers to guide their construction clients through the complex bona fide sub contractors area.
Using bona fide sub contractors enables a company to bring in specialist skills where required with the added benefit of no additional fixed wage or pension administration and contribution costs.
Also, a BFSC pays their own taxes has their own employers, public and liability insurance in place.
In theory shouldn’t this mean lower premiums for the main contractor compared to the alternative of the insured bringing on additional employees or labour-only sub-contractors?
That is the theory, and
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