The situation
An outdoor maintenance contractor worked with a mix of its own staff and labour supplied by a manpower company. A worker collapsed on site during the summer, and the question of who employed him decided which policy responded. The contractor's workmen's compensation schedule declared only its own payroll, while the supplier's policy excluded work carried out under the direction of a third party. Nobody had recorded site hours against the midday outdoor work ban, so the incident report could not show whether the crew had stopped when it should have.
What we did
We put the supply agreement, both policies and the site records into one file and set out where responsibility actually sat, then handled notification to both insurers so no time bar ran while the point was argued. At renewal the contractor's cover was extended to supplied and borrowed labour, with the wage declaration basis amended to include them, and the supplier was asked for evidence of its own cover before any worker is accepted on site. Attendance and rest break records were rebuilt into a form an insurer and an inspector will both accept.
- Sector
- Manpower Supply
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