LOSC vs BFSC
Posted on 22nd November 2022 at 16:12
There are a shocking number of construction clients who have been left confused by the advice given from their current broker when it comes to differentiating between a Labour Only Sub Contractor and a Bonafide Sub Contractor.
Not knowing the difference can lead to incorrect cover being arranged, fines, penalties, and the risk that your claim won’t be paid. Here’s our handy list to give you the clarity to get it right, every time.
Labour-only Subcontractors (LOSC)
You supply them with PPE, materials, tools and anything else required
You provide training, toolbox talks
They follow your RAMS
They are required to follow your Health & Safety Procedures
They work under your Direction, Supervision and Control
Bona-fide Subcontractors (BFSC)
They supply their own kit, tools and PPE
They provide their own RAMS and follow their own H&S procedures
They complete their works under their own Direction Supervision and Control
They are responsible for all workers that they supply
They will quote for the works and provide a bill for these upon completion
Tagged as: Information, Insurance Solutions
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