Oh really? And yet many household policies include public liability cover, for events such as jaywalking, or roofing tiles falling on heads of passers by, or dog causing damage, etc., all without being a trader of any kind.You only need PL insurance if you are trading.
That sounds like wishful thinking - or do you know the terms of the school's insurance policy?You will be covered by the schools insurance if 'helping them out'. And in this case there would be no 'you' just the school
True in terms of how claimants are likely to behave, but not if the insurance policy doesn't cover 'helpers'.This is how the claims business works. Everyone, anyone is liable for their own actions. Any individual can be sued for negligence if they are deemed to have a duty of care to the injured party. But in any claim the claimant will go after those most likely to be able to pay - which in this case is the schools insurers. It is very, very unusual for an individual to be pursued as it does not make commercial sense for the claimant - and that is all its about, a commercial decision based on who can pay and if they are worth chasing
....although vicarious liability doesn't apply in all scenarios where contractors are engaged, and the OP is an unpaid contractor in this case. However, in situations such as schools and children, the school cannot delegable its duty of care with respect to personal injury. This still doesn't mean that the school's insurance policy indemnifies them in this case, just that the OP could not be held liable.Strictly, the school will assume vicarious liability for you. This is a specific legal concept and means that they become responsible in law for those who they have control over and not just direct employees
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imamartian, take a look at the following web site - it may give you food for thought, especially since it mentions BS EN 1176 and 1177.
http://www.setterplay.co.uk/