Thanks for the feedback, recommending I look at the insurance policy.
In regards to EXCLUSIONS from PL coverage, our policy states:
1. in connection with any liability for Personal Injury to any employee arising out of or in the course of their employment with You.
2. in respect of liability imposed by the provisions of any workers’ compensation, accident compensation or similar legislation applying where Your Insured Property is situated.
3. in respect of:
a. damage to property belonging to, rented by or leased by You or in Your physical or legal control, other than as provided under the operative items of Policy 2;
b. damage to property belonging to any person who is deemed a worker or employee within the provisions of any workers’ compensation, accident compensation or similar legislation applying where Your Insured Property is situated;
Correct me if I am wrong, but surely a court would hold that these policy exclusions targeting an “employee” or a “worker” of a maintenance company, would equally apply to a person who is self employed?