Insurance for bathroom fitters

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.

What’s typically covered by legal expenses insurance?

• 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