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Started by leaseholdanswers, 12-01-2014, 12:38 PM
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by Priever
 
Started by leaseholdanswers, 27-12-2013, 10:53 AM
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Last Post Klanator  
Started by leaseholdanswers, 30-07-2013, 10:13 AM
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Started by ashburnham, 04-07-2013, 15:21 PM
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Started by roxytoo, 09-11-2019, 08:12 AM
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Started by roxytoo, 07-11-2019, 09:58 AM
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Last Post Gordon999  
Started by Hazzer, 06-11-2019, 13:33 PM
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Started by Hailsy, 02-11-2019, 11:57 AM
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by ram
 
Started by JoanneC, 25-10-2019, 10:29 AM
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Started by Dazvader, 27-06-2019, 07:50 AM
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by TimA
 
Started by adam2000, 22-10-2019, 07:37 AM
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Started by Stacker, 21-10-2019, 15:55 PM
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by Stacker
 
Started by Flashback1966, 25-09-2019, 13:13 PM
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Started by aminta, 05-10-2019, 10:57 AM
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  • Employers Liability
    by roxytoo
    hi again. How important is it for an RTM company with 4 directors who don't employ anyone to have Employers Liability in place? I've been told its a 'very grey area'! Are the directors employess of the limited company? My broker is not pushing us to have this but another broker was?
    09-11-2019, 08:12 AM
  • Reply to Employers Liability
    by ashburnham
    The directors are indeed employees of the Limited Company. If there is more than one director/employee in the Limited Company then it is a legal obligation to have Employers Liability Insurance. This is not a "grey area", you must have this cover by law.

    How you get it is entirely...
    11-11-2019, 11:28 AM
  • Reply to Employers Liability
    by leaseholder64
    Weekly cleaners are normally self employed.

    You will need this insurance if you ever change the light bulbs yourself, etc. It applies to volunteers, as well as paid employees.
    09-11-2019, 10:20 AM
  • Reply to Employers Liability
    by Gordon999
    If your building has a "block of flats insurance policy" , you may find the insured cover includes "building re-instatement" plus "public liability" and "employee liability" thrown in at no extra charge. .

    Public liability cover is good in case...
    09-11-2019, 10:17 AM
  • RTM and insurance
    by roxytoo
    Hi We have won the RTM a block of 5 flats with a commercial unit on ground floor. We have set up a limited company. I am trying to sort out the insurance as the existing insurance will be cancelled in a few weeks when we take over. Sorry if this has been asked before but I can't find a definitive answer....
    07-11-2019, 09:58 AM
  • Reply to RTM and insurance
    by Gordon999
    The existing insurance policy may be restricted to claims only from the named policy holder.

    The RTM company has a legal right to manage the building and can purchase a new insurance policy at competitive price for "block of flats policy " or "Commercial building policy"....
    07-11-2019, 21:21 PM
  • Reply to RTM and insurance
    by roxytoo
    I have tried to get them to carry on with the existing insurance but they say no, it automatically gets cancelled the day we take over
    07-11-2019, 11:09 AM
  • Reply to RTM and insurance
    by ram
    Logicically, the owner of the building should insure it.
    The person / company that leases out the flats is normally the owner.
    The R.T.M owns nothing. It's a managing agent in effect.

    You contact the insurance company to tell them that all communications is now to be directed
    ...
    07-11-2019, 10:26 AM
  • Lift insurance
    by Hazzer
    Seceral years ago, I was assured by a broker that the public liability element in the buildings insurance for a block of flats would cover injuries caused by malfunction of the lift. This week, I have been told that this is not the case, and that a separate engineering policy was necessary. Could...
    06-11-2019, 13:33 PM
  • Reply to Lift insurance
    by ashburnham
    I have checked this with one of our main insurers here and they state that as long as the lift is declared and agreed (generally no problem if everything is standard), then all cover on the policy extends to include the lift.

    Every insurer is going to be different on this sort of thing....
    06-11-2019, 15:10 PM
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