There are three principal types of insurance cover needed for work done through the Ring, as either demander or supplier. They are Employer Liability, Public Liability and Tractor (to mean most agricultural vehicles and implements) Insurance. It is also necessary to ensure your cover extends to specific activities you may undertake as a supplier e.g. spraying.
The Directors of the Ring consider it essential that all members are adequately insured and this requirement is included in the LMR Membership Regulations that you agree to observe when you apply for membership. A checklist for your convenience has been compiled.
Insurance Procedures Checklist
1. Have I notified my Insurer of activity in the Ring?
2. Have they accepted the risk?
3. Have I received formal acknowledgement?
4. Have I confirmed the position to the Ring?
5. Can I engage upon work involving spraying?
6. Do I have comprehensive cover on equipment?
7. Do I have comprehensive detached cover on equipment unspecified?
8. Do I need/have extensions to Public and Employer’s Liability?
9. Do I have any restrictions, excesses etc?
10. Do I have a minimum £5m Indemnity under Public Liability?
Please note the onus is on the Member to notify LMR Ltd of significant change.
THE POSITION OF RINGS UNDER HEALTH AND SAFETY REGULATIONS
The Rings do not have duties in relation to those of either an employer, a hirer or as an employment agency under Employers Liability Compulsory Insurance Regulations or other Health & Safety Regulations. They act simply as an organization facilitating the actions of others in hiring out machines and labour. This being the case responsibilities for the above regulations lie between the two members involved in a transaction, not the Ring.
In relation to machinery safety the provider is treated by HSE in the same way as a person hiring out machinery.
In relation to Health & Safety of labour, the duties will vary according to the level of control either party has: i.e. receivers duties range from those of an employer at one extreme to, at the other extreme, those of any employer/self employed person towards any other person working on his premises who is not their employee,
Please contact the office if you have specific concerns as we hold more detail for certain circumstances.
• Employers Liability Compulsory Insurance
• Member “hires” out machinery only to another member
• Member hires out his own labour to another member
• Farmer “hires” machine plus labour to another member
• Onward hiring of a machine
• Training and certification standards of persons hired out.