Dry liners insurance
Join over 900,000 UK customers with public liability cover from £3.49 per month*
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Rated 4.7/5
Based on 39,778 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need dry liners insurance?
Working in the construction industry, dry liners face a range of health and safety risks. Dry lining insurance can give you peace of mind if something goes wrong at work. It can cover the cost of a claim if you have your tools stolen, there's an injury on-site, or you accidentally damage a customer’s property.
- dry lining insurance online, from quote to claim
- optional personal accident cover for your own injuries, or anyone on the policy
- UK-based claims team, award-winning and available 24/7
What does dry lining insurance cover?
Public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your dry lining business
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
Stock insurance
In case something happens to your products and consumables.
Tool insurance
In case your tools are lost, stolen or damaged.
Business interruption insurance
In case something is stolen or damaged and you lose income.
Own plant insurance
In case plant machinery, like excavators, you own is lost, stolen, or damaged.
Hired-in plant insurance
In case plant machinery, like excavators, you've hired in is lost, stolen, or damaged.
Contract works insurance
In case your building work in progress is damaged by something like a fire, flood or vandalism.
Business legal insurance
In case you’re hit with legal expenses connected to your business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or away from work.
Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage to someone’s property, because of your business
- injuries or illness caused by your business activities
- an employee (if you have any) accidentally damages property or causes injury
For example:
- a client is injured by a forklift operator while visiting your business, and makes a claim against you
- a maintenance professional slips on your shop floor following a spillage, fracturing their knee
- your employee uses a new product with a client, and they have an allergic reaction to it
**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 anyone gets ill or injured while working for your dry lining business
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury to someone you employ, including contractors and temps, that happens as a result of working for you
- a member of staff (including casual workers) falling ill due to your business
**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:
- one of your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
- a temporary employee traps their hand in a door at your premises, causing several fractures
- a member of staff trips on a ledge on their way to a meeting, injuring their hip
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by business equipment insurance?
Claims against your business for:
- damage and destruction caused by flood, fire, vandalism, or theft
- cover for your contents and the equipment needed to run your business
For example:
- a flood spreads to your office floor and means you need to replace several desk chairs
- your photocopier and fax machine are badly damaged during a break-in
- four business smartphones are stolen from your premises
Read more about business equipment insurance
Stock insurance
In case something happens to your products and consumables.
What’s typically covered by stock insurance?
Claims against your business for:
- damage to (and loss of) stock, following fires, floods, or vandalism
- theft of stock following a break-in
- costs involved with replacing the stock you need to operate
For example :
- someone forces entry to your business premises and steals from your stockroom
- an important stock order falls from the back of your van and is never recovered
- you’ve taken a stock delivery, which is stolen while you’re speaking to a neighbour
Read more about stock insurance
Tool insurance
In case your tools are lost, stolen or damaged.
What’s typically covered by tool insurance?
Claims against your business for:
- stolen tools and equipment
- accidental damage to the tools you need for your business
- loss of specialist equipment and drylining tools
For example:
- your business tools are damaged in a fire or flood
- your equipment is stolen while you're on the job
- you lose your tools and equipment while travelling
Read more about tool insurance
Business interruption insurance
In case something is stolen or damaged and you lose income.
What’s typically covered by business interruption insurance?
- you can’t trade because of stock, contents, or building damage
For example:
- your inventory is damaged and you lose income because you’re unable to sell
- your work laptop is stolen or damaged and you can’t run your business
Read more about business interruption insurance
Own plant insurance
In case plant machinery, like excavators, you own is lost, stolen, or damaged.
What’s typically covered by own plant insurance?
Claims against your business for:
- damaging someone else’s property while working on a development site, or afterwards as a result of your work
- damage or destruction caused by vandalism
- damage or loss to your plant machinery, like a digger
For example :
- your forklift damages a van parked nearby, while you ’re manoeuvring on site
- you’re building an extension for a customer and someone breaks into your works site, vandalising the premises and causing substantial damage
- you’re parked up outside a service station and thieves steal a generator from your trailer
Read more about plant machinery insurance
Hired-in plant insurance
In case plant machinery, like excavators, you've hired in is lost, stolen, or damaged.
What’s typically covered by hired-in plant insurance?
Claims against your business for:
- replacing hired-in plant machinery should it be damaged or stolen
- water damage to hired-in plant machinery
- accidentally injuring someone else while you’re working, or afterwards as a result of the work you’ve done
For example :
- there’s an overnight break-in at your work site and an excavator is stolen
- you cause damage to a water pipe by drilling through it while working on site
- a flood damages a hired cement mixer and generator beyond repair
Read more about plant machinery insurance
Contract works insurance
In case your building work in progress is damaged by something like a fire, flood or vandalism.
What’s typically covered by contract works insurance?
Claims against your business for:
- work in progress on domestic and commercial sites
- on-site damage to your tools that you need to complete the job
For example :
- there's a fire at your place of work, setting back the completion date of the job
- a flood destroys your specialist drylining equipment
- someone breaks into your site and steals your tools
Read more about contract works insurance
Business legal insurance
In case you’re hit with legal expenses connected to your business.
What’s typically covered by business legal insurance?
Claims against your business for:
- unpaid invoices
- contracts for the purchase, hire, sale, or provision of goods or services provided to you
- an alleged breach of statutory rights with an employee
For example:
- you need to recover debt after a client refused to pay their invoice, caused by a contractual dispute
- you’re facing legal costs as a client is disputing whether you met your contractual obligations with your hire agreement
Read more about business legal insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or away from work.
What’s typically covered by personal accident insurance?
- compensation if you or an employee are injured in an accident, including weekly payments if you or they are unable to work for two weeks or more
- virtual Medical Care service with unlimited 24/7 access to medical advice, consultations, referrals and prescriptions
- 24/7 access to myStrength emotional health support app
You can buy this cover for:
- yourself
- your employees
For example:
- imagine one of your employees breaks their leg in an accident and is out of work for six weeks. Personal accident insurance would provide £300 for the broken leg diagnosis. After the employee's second week off, you'd receive four weekly payments to assist with costs during their absence. You could use the money as you wish – whether for loss of earnings, hiring a temporary replacement, or compensating the injured employee.
What's not covered?
- issues caused by sickness, illness, or disease
- conditions that develop over time without a direct connection to an accident
- mental illness, even if triggered by an accident
- self-inflicted injuries
- accidents that occur under the influence of drugs or misuse of medication
- deliberate exposure to danger, except when attempting to save a life
- injuries caused by taking part in a professional or semi-professional sport
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 dry lining 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 £3.49 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.
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How do insurance claims work for dry lining businesses?
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 team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. "Settled" covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Chosen by 900,000 small businesses and landlords
We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.
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Rated 4.7/5
Based on 39,778 reviews
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Dry lining 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 insurance for off licences. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
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 installments.
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.
Make sure you’re covered for the services you provide:
- View all business insurance covers
The types of businesses we insure:
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.
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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