Browse Forums Owner Builder Forum Re: Friends and relatives help for Home Owner Building 3Jul 08, 2014 9:26 am Yes you can, but you need to ensure as Beetaloo said, that they are covered by insurance as unpaid workers. If I remember right I got the coverage for up to 5 unpaid workers with my insurance, and that covers friends as well as family helping out unpaid. Owner Building at Jimboomba Woods in Logan City Qld. Blog : http://bandlnewhomebuild.blogspot.com H1 thread : viewtopic.php?f=38&t=68283 . Re: Friends and relatives help for Home Owner Building 4Jul 08, 2014 9:52 am I got workers comp insurance that specifically included unpaid family and friends it was only about $250 from memory - I couldn't think of anything worse than someone helping you out being injured and unable to pay their own mortgage as a result <!-- l --><a class="postlink-local" href="https://forum.homeone.com.au/viewtopic.php?t=62083">viewtopic.php?t=62083</a><!-- l --> Re: Friends and relatives help for Home Owner Building 6Jul 09, 2014 12:14 pm qebtel Who cares? Just use your mates, make sure they dont get hurt. ITs the nanny state sticking its nose into our business again. ITs none of their business. Yeah, until someone trips over something, and then suffers and injury that might effect their livelihood. Sooner have the piece of mind, and know that any of my friends that offer to help me are put out of pocket by it. Owner Building at Jimboomba Woods in Logan City Qld. Blog : http://bandlnewhomebuild.blogspot.com H1 thread : viewtopic.php?f=38&t=68283 . Re: Friends and relatives help for Home Owner Building 8Jul 11, 2014 10:08 am bpratt Yeah, until someone trips over something, and then suffers and injury that might effect their livelihood. I knew someone like you would chime up with that. Clearly you dont let them do dangerous jobs - just simple stuff, on the ground. And you dont want trippers and people who dont look where they are going working for you, do you? bpratt Sooner have the piece of mind, and know that any of my friends that offer to help me are put out of pocket by it. This may come as a shock, but accidents can be avoided if you work methodically, and carefully. I know - its hard to believe. But I do it all the time. Re: Friends and relatives help for Home Owner Building 10Jul 11, 2014 9:48 pm Your friends can do general work, but not regulated stuff where a licence is mandatory. eg Electrical, Communications and Plumbing. Those guys have to sign Certificates etc at the end. However, a friend could for example run cables, provided it was under supervision of an electrician, on site at the time. Getting sprung could be very costly, not just the fine, but your OB licence could be revoked. Re: Friends and relatives help for Home Owner Building 11Jul 11, 2014 10:03 pm I just don't understand you can have great procedures and people helping you out however .....sometimes S##t just happens .........I can't understand for the tiny amount of the build (we will probably end up with a total spend of $450k) why you would not insure people helping you out .....having said that I've not had a family or friend help me out however when I renew my insurance I will renew this ........the day I worry about $250 over someone's ability to earn their own money is the day I should give it all in <!-- l --><a class="postlink-local" href="https://forum.homeone.com.au/viewtopic.php?t=62083">viewtopic.php?t=62083</a><!-- l --> Re: Friends and relatives help for Home Owner Building 12Jul 12, 2014 12:33 pm Totally agree AKB. If you can't afford $250 even for a $200k build then you shouldn't be building. Couldn't think of anything worse than injuring someone on my site then they can't work again Re: Friends and relatives help for Home Owner Building 13Jul 14, 2014 12:33 pm AKB I can't understand for the tiny amount of the build (we will probably end up with a total spend of $450k) why you would not insure people helping you out .. Can you explain why they should be insured? We did quite well in Australia before all this sh1t came into our legal system in the 80s courtesy of that cesspool known as PooSA. Re: Friends and relatives help for Home Owner Building 14Jul 14, 2014 1:07 pm I have to disagree. S..t indeed does happen and what would you do if a mate helping you on your place broke an arm or leg or worse and ended up off work for a few months? Are you going to pay his mortgage or his lost wages ?
Stewie Re: Friends and relatives help for Home Owner Building 15Jul 14, 2014 9:40 pm Qebtel I think your missing the whole point of what we are saying. I agree with what Stewie wrote. Personally I think our insurance system is a rote (spelling). I can't understand how if I take extra care and secure my property I have to pay more insurance because the morons around me like leaving their doors open. Sorry a bit off topic Re: Friends and relatives help for Home Owner Building 16Jul 17, 2014 12:00 pm It all seems a bit silly the rules and regulations - as far as I am aware, because my husband has the owner-builder licence under his name then I am not allowed on the work site to help, yet I am not allowed to obtain a second owner-builder licence for the same property. As far as insurance goes, I don't have a job so lost wages are not an issue, and most medical would be covered by Medicare. I would love to know the names of the insurance companies that people used, and the specific name of the insurance. There is Public Liability, Workers Comp, I tried researching it but got very confused And then what happens when you have a tradie working on site who doesn't have their own insurance? (Just a guy with a backhoe, for example) Or when they do have their own insurance, and then they are covered by two insurances - which one applies first? Friends and relatives help for Home Owner Building 17Jul 17, 2014 12:10 pm It's up to the owner to understand what insurances anyone has that comes to do work on your property.
At the end of the day it's your risk, if you want to let uninsured tradies on an something happens then be prepared for the consequences. Re: Friends and relatives help for Home Owner Building 18Jul 17, 2014 12:13 pm Also if the tradie is nasty enough and there are plenty around, expect a visit from worksafe. It's a worksite after all and they will hit you with the book if you've been found to be negligent. I'm by no means saying not to get family or whoever to help, but seriously for $250? Is it worth the risk Re: Friends and relatives help for Home Owner Building 19Jul 17, 2014 12:21 pm I think it is obviously the best thing to pay $250, because even if someone visits the site but is not working on it, then they would be covered right? Re: Friends and relatives help for Home Owner Building 20Jul 17, 2014 3:11 pm Insurance we are doing an extension and renovation. When doing an extension you also need to check with your current home insurance company to see if they will continue to insure your building whilst you are doing the extension and the renovation (in our case they wouldn't) We went though Westcourt General insurance brokers who have an owner builder's package. We are covered for Material Damage to the property, Public Liability and Workers Compensation. Hope that helps <!-- l --><a class="postlink-local" href="https://forum.homeone.com.au/viewtopic.php?t=62083">viewtopic.php?t=62083</a><!-- l --> Hi VK, Think it's worth investing time in an Owner Builder course to equip you with basic knowledge on Australian Building Industry and its regulations. Also, I suggest… 11 23677 The engineering is the engineering. It's irrelevant how much material you have. Unless it fits the requirements of your design the engineer can't "make"it work. You might… 7 9693 |