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Insurance for bathroom fitters

Join over 4,530 bathroom fitters like you with PL cover from £3.19 per month*

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Bathroom fitter installing large grey bathroom wall tiles

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Rated 4.7/5

Based on 39,755 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do I choose insurance?
  • How do claims work?
  • FAQs
  • Helpful articles

Why do you need bathroom fitter insurance?

Whether it’s a new hotel development or small townhouse extension, bathroom fitting carries its own risk profile, starting with public liability. From a customer injury claim to third party property damage, would you be ready if a claim arrived out of nowhere? Pick and choose from our cover options for a built-to-fit policy.

  • public and product liability between £1 million and £10 million
  • protection from big claims for accidental injury or damage
  • employers’ liability cover – required by law for many bathroom fitters

Start your quote

What does bathroom fitter insurance cover?

We’ll start with public and product liability insurance, built to keep you covered against claims for accidents and injuries. We offer between £1 million and £5 million public liability cover – from there you can add employers’ liability cover for your team, if you have one, plus handy things like tools and equipment cover, or personal accident insurance.

Public liability insurance for bathroom fitters

In case an injury or property damage is blamed on your fitting business.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone’s property, caused by your work
  • injuries caused by your business activities
  • accidental damage or injury caused by your employees, if you have any

For example:

  • while fitting a shower in a hotel bathroom you damage some expensive marble flooring, which will need to be replaced
  • a client’s child injures themselves on a sharp edge in the bathroom you’ve just finished

What you’ll need additional cover for

  • if you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

Read more about public liability insurance

Employers’ liability insurance

In case an employee gets sick or injured because of working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an employee, including a contractor or casual labourer, suing you after falling ill because of working for your bathroom fitting business, or
  • making a claim for an injury they’ve had while working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • your employee slips on some debris left lying on the stairs, falling and injuring their back
  • another contractor on site drops some stone materials from a height, injuring your casual labourer, who hasn’t been supplied with the correct hard hat and PPE

Tools insurance

In case your trade tools are lost, stolen, or damaged.

What’s typically covered by tools insurance for bathroom fitters?

  • loss, damage, or theft of your hand tools, power tools, and specialist equipment

For example:

  • your tool kit gets damaged in a fire while left on site over the weekend
  • three new drills are stolen from the back of your van while you’re paying for parking

What you’ll need additional cover for

  • larger plant items you use to carry out your bathroom fitting work – you’ll need to add our specific plant cover for these

Read more about tools insurance

Stock insurance

In case something happens to the trade materials you keep in supply.

What’s typically covered by stock insurance bathroom fitter?

  • loss, damage, or theft of your work materials, or items you’re planning to sell

For example:

  • there’s a flood in the hospital residences you’re working on, which destroys all your stock
  • you stop at a motorway services for lunch and your stock for the week is stolen from the back of your van

Read more about stock insurance

Business and office equipment insurance

In case things like your laptop or phone are lost, stolen, or damaged.

What’s typically covered by business and office equipment insurance?

  • theft, flood, fire, or accidental damage to the equipment you use to run your bathroom fitting business
  • operational equipment like your laptop, rather than the fitting tools you take out and about

For example:

  • your laptop and your business partner’s phone are stolen from your van while you help load up another vehicle
  • a small fire in your mobile office damages two laptops, your phone and an expensive alarm system

Read more about business and office equipment insurance

Own plant insurance

In case your own plant machinery is lost, stolen, or damaged.

What’s typically covered by own plant insurance?

  • loss, damage, or theft of things like your own larger saws and machinery

For example:

  • your wood cutter falls out of the back of a friend’s truck, and you need to replace it
  • you’ve invested in some new machinery for a commercial job in the new year. Over Christmas the equipment is damaged by vandals, and needs replacing

What you’ll need additional cover for

  • plant machinery you’ve rented – you’ll need to add our specific hired-in plant cover for this

Read more about own plant insurance

Hired-in plant insurance

In case your rented plant machinery is lost, stolen, or damaged.

What’s typically covered by hired-in plant insurance?

  • loss, damage, or theft of things like drilling units and saws which you’ve hired in

For example:

  • you hire some equipment for a big hotel job and it gets stolen while left on site overnight
  • your employee is using a hired-in saw incorrectly and jams the mechanism – it’s unusable but you still need to pay the hire fees

Read more about hired-in plant insurance

Contract works insurance

In case your work in progress is damaged by disasters like fire, flood, or vandalism.

What’s typically covered by contract works insurance for bathroom fitters?

  • repair costs for the work you have in progress if it’s damaged or destroyed
  • labour, materials, and tools to get the job back to the stage it was at before it was damaged or destroyed
  • damage caused by things like fire, flood, storm, vandalism, or theft

For example:

  • you’re contracted to fit multiple bathroom units on a new university campus, but a fire breaks out two weeks into the job – the work you’ve done is destroyed and the project delayed by a month

Read more about contract works insurance

Legal expenses insurance

In case you have to pay legal costs connected with your fitting business.

  • legal costs attributed to your bathroom fitting business
  • property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
  • tax and compliance disputes and investigations you need help with
  • includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis support to help you protect your reputation as a highly-rated trade professional

For example:

  • a customer is disputing their invoice, claiming delays in the project have delayed their b&b business from opening – you end up going to court
  • you follow correct procedures to dismiss an employee, but they raise a legal claim and you begin to incur costs

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

  • accidental injury or death at work or elsewhere, for anyone covered on the policy
  • lost income, medical costs, and hospitalisation benefit

For example:

  • your employee breaks their leg while playing rugby, and needs a month off work
  • an electrician working on site leaves a live cable exposed – you electrocute your hand and can’t work for three weeks

Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does bathroom fitter insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.19 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (Based on data from 1 Sep 2021 - 31st Feb 2022). Most customers pay more than this but some pay less.

Example bathroom fitter quotes, real prices

churchill insurance

£15 /month

£130 /month

A self-employed bathroom fitter working in the local area

  • 1-2 years' experience
  • Sole trader
  • No employees
  • Based in Reading
  • Public liability

    £1,000,000

  • Employers’ liability

    Not included

  • Professional indemnity

    Not included

  • Tools

    Not included

maltings insurance

£139.22 /month

£1237.54 /month

A small family-run bathroom fitting and design business

  • 5+ years' experience
  • Limited company
  • 2 employees
  • Based in Huddersfield
  • Public liability

    £2,000,000

  • Employers’ liability

    £10,000,000

  • Professional indemnity

    £50,000

  • Tools

    £8,000

How we work out example quotes These examples are real quotes from our online system (created 19/01/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

£100

£2500

Employers' liability

No excess

No excess

Tools

£60

£500

Stock

£100

£500

Business and office equipment

£50

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Can I just cover my most expensive tools?

Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tool cover.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Will tools insurance cover all my equipment?

Depending on what you use to do your work, you may need other covers.

You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.

Does bathroom fitter insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider builders insurance or joinery insurance?

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£39 million in claims paid out in 2022

Paying 80% of settled claims within 24 hours in 2022

Example claim

Having bathroom fitter insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.

Hammond saved more than £11,700

Hammond (not his real name) finished installing a toilet for a customer in April. He was contacted later in the year due to a leak, which had caused extensive water damage throughout the property. The public liability cover in his bathroom fitters’ insurance covered the accidental damage.

  • Insurance payout

    £11,770.00

    Covering the cost of accidental damage

  • Hammond’s costs

    £100

    The excess amount stated in Hammond’s policy terms

Chosen by 900,000 small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,755 reviews

  • Here to help

    Help from UK-based experts

  • 24/7 claims

    Make a claim any time

Bathroom fitter insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about Bathroom fitter insurance. You can also check out our business insurance FAQs.

  • Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a bathroom fitter, you may also do the odd plumbing job – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

  • If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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2 Aug 2018 • 4-minute read

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