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Insurance for bedroom fitters

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What's on this page

Why do you need bedroom fitters insurance?

From a big hotel job to local homes and customers, bedroom fitting brings its own liability risks, even if you’re on a typical job. From a customer injury claim to expensive equipment theft, how would business go if you needed to pay out an unexpected sum? Pick and choose from our cover options for a perfect-fit policy.

  • public and product liability between £1 million and £10 million
  • help to keep going when an unexpected event gets in the way
  • optional personal accident cover for your own accidents and injuries
Start your quote

What does bedroom fitters insurance cover?

You know your trade best, so we let you control what goes into your policy. Public liability insurance is top of the list for lots of our bedroom fitter customers, and you’ll probably need protection for employees too, if you have any. Our employers’ liability insurance takes care of that bit. From there, you can add cover for things like your tools and materials, plus plant machinery.

Public liability insurance bedroom 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:

  • you’re fitting out some new-build wardrobes and accidentally damage an internal wall while bringing stock upstairs
  • you forget to remove your nail gun from a child’s bedroom and they injure their hand while playing with it

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 bedroom 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 ends up in hospital with an eye injury after some debris from the job you’re on falls on their face
  • a contractor you’ve brought in falls down some wet stairs on the work site, breaking their wrist

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 bedroom fitting business
  • operational equipment like your laptop, rather than the fitting tools you take out and about

For example:

  • you leave your work phone in the van while on a job, along with a tablet you bought last week as an alternative to your laptop – both are stolen while you pay for parking
  • a leak while you’re on holiday causes water damage to your office equipment

Read more about business and office equipment insurance

Tools insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tools insurance?

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

For example:

  • your tool kit and drill are stolen from your locked garage, and everything needs replacing
  • there’s a fire on site and some of your tools are damaged, including three new circular saws you’ve ordered for a large commercial contract

What you’ll need additional cover for

  • larger plant items you use to carry out your bedroom 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?

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

For example:

  • there’s a fire in the university residence you’re working on and your stock is destroyed
  • after buying stock in bulk to save multiple trips on a big job, there’s a break-in at your garage and almost everything is stolen

Read more about stock insurance

Hired-in plant insurance

In case your rented plant machinery, like a wood cutter, 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 a larger circular saw for a commercial job and it gets damaged while being moved to a different site
  • the heavy duty machinery you’ve hired for a big hospital accommodation contract is stolen overnight

What you’ll need additional cover for

  • tools and plant machinery which you own yourself – you’ll need to add our specific own plant insurance or tools cover for this

Read more about hired-in plant insurance

Own plant insurance

In case your own plant machinery, like a wood bandsaw, 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 gets damaged on site, and you can’t work until a replacement arrives
  • two wood cutters and a work bench are vandalised during a break-in on your new build development site

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

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?

  • 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:

  • while you’re working on a new build development site for over fifty houses, vandals break in and destroy your work in progress – the damage sets your job back by over 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 bedroom 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:

  • one of your clients is refusing to pay an invoice, disputing delays in the works carried out – you need to pay legal costs for this
  • an employee raises a dispute over her contracted hours and breaks, which ends up going to court

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:

  • while away with friends at the weekend you slip on a wet floor and sprain your ankle, forcing you to take three weeks off active work
  • your apprentice drops a wood cutter machine on the foot, breaking two bones

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 bedroom fitters 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 £6.77 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 January - 31 August 2021). Most customers pay more than this but some pay less.

Example bedroom fitter insurance quotes, real prices

£14.88 /month

£128.76 /month

A self-employed bedroom fitter working in the local area

  • 1-2 years' experience
  • Sole trader
  • No employees
  • Based in Milton Keynes

Public liability

£1,000,000


Employers’ liability

Not included


Professional indemnity

Not included


Tools

Not included

£147.09 /month

£1307.47 /month

A small family run business of bedroom fitters and offer design advice

  • 5+ years' experience
  • Limited company
  • 2 employees
  • Based in Sale

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 coverLowest excessHighest excess
Public liability£100£2500
Employers' liabilityNo excessNo 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

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    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

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    Get your documents the same day

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We handle claims, so you can get on with business

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.

Is public liability enough for third party property damage?

In some situations you may need more than public liability to cover certain kinds of property damage.

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 bedroom 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 carpenter insurance?

Do I need cover for other types of work?

If you provide these services alongside building work, make sure you’re covered:

Other types of 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

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0333 043 8527
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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 below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£30 million in claims paid out in 2019

Paying 80% of settled claims within 24 hours in 2019

Example claim

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

Charlie saved more than £1,800

Charlie (not his real name) slipped while using a hired wood cutter on a new job, injuring his hand. He needs an operation and six weeks away from work for recovery. The personal accident cover in his bedroom fitters’ insurance covered his hospitalisation and lost income costs.

Insurance payout

£1,897

Covering the cost of personal accident


Charlie’s costs

£100

The excess amount stated in Charlie’s policy terms

Chosen by 800,000 small businesses

We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.

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Bedroom fitters 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 bedroom fitters insurance. 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 043 8527 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 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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