A little word of warning for those who employ subcontractors or sub consultants when dealing with clients.

If you employ the subbies yourself then you are in the direct line of fire from your client for any loss/damage/injury caused by the subbie. This is because the contract is between you and the client.

Where the subbie contracts directly with your client you will still pick up a liability as the client will have employed the subbie on your recommendation. This situation, though, would come under your Professional Liability insurance cover as opposed to the Public/Product Liability insurance cover for the earlier example.

We are coming across more and more business people not aware of the liability they face in such circumstances.

Craig