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Driving minibus as a sole trader- public liability insurance required?

  • 20-03-2018 7:30pm
    #1
    Registered Users, Registered Users 2 Posts: 1,941 ✭✭✭


    Am driving a minibus for a transport company bringing children to school. Operater has requested I become a sole trader and I agreed- am I exposed to public liability or would his PLI cover me?


Comments

  • Registered Users, Registered Users 2 Posts: 246 ✭✭treascon


    If you are going to operate this business in your own name you will need your own insurance policy on the minibus. The transport company’s policy won’t suffice


  • Registered Users, Registered Users 2 Posts: 4,523 ✭✭✭An Ri rua


    You would also need to check your tax status. If you're pretty much only driving for him, you're an employee no matter what he requests.


  • Registered Users, Registered Users 2 Posts: 1,941 ✭✭✭ActingDanClark


    Thanks! No I'm not operating a business in my own name, the company has a contract with bus eireann. I've declared my sole trader status to revenue


  • Registered Users, Registered Users 2 Posts: 246 ✭✭treascon


    Then why does the operator want you to become a sole trader?


  • Registered Users, Registered Users 2 Posts: 1,941 ✭✭✭ActingDanClark


    Company is not paying employer prsi anymore and doesn't have to pay accountant to process payments to me


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  • Registered Users, Registered Users 2 Posts: 246 ✭✭treascon


    So would you still be registered as an employee of the company? From the details you have given I would say that you wouldn’t be


  • Registered Users, Registered Users 2 Posts: 1,941 ✭✭✭ActingDanClark


    That's my thinking and my reason for starting this thread


  • Registered Users, Registered Users 2 Posts: 246 ✭✭treascon


    Then I would stand by my opinion that you would need your own insurance. You should consult with a good insurance broker


  • Registered Users, Registered Users 2 Posts: 26,180 ✭✭✭✭Mrs OBumble


    Who owns the bus you would be driving? I'm not sure you could even get PL insurance if driving a bus owned by another company.


    Do you realise you're also losing your holiday pay and unemployment insurance?


  • Registered Users, Registered Users 2 Posts: 1,941 ✭✭✭ActingDanClark


    The company with the contract owns the bus. I'm aware of holiday pay/ insurance thanks


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  • Registered Users, Registered Users 2 Posts: 246 ✭✭treascon


    You won’t get insurance on a bus you don’t own


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