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As a carpet fitter you’re busy visiting homes, offices and other buildings. This means you need a business insurance policy specialist enough to cover you if something went wrong and you were sued for injury or damage.
A carpet fitter policy from Simply Business starts with public liability insurance to protect you from these sticky situations, and it can include other business insurance you need, like tools insurance to cover your carpet fitting equipment.
Add buildings insurance if you’ve got a business premises you want to insure and employers’ liability insurance if you employ staff. It’s quick, quality cover, tailored to carpet fitters.
The insurance you choose should depend on your individual business needs, but these are some of the key covers to consider:
Public liability insurance protects you against compensation claims made by a member of the public for injury or for damage to their property. For example, you’re fitting a carpet in a home and you leave your tools on the floor while you’re taking a break. Your customer trips over them and is injured. If the customer claims compensation, your public liability insurance could pay for the compensation claim and any legal fees, up to the limit of your policy.
Tools insurance can pay to repair or replace your handheld tools if they’re damaged, lost or stolen. You’ll need to calculate the cost of replacing all of your carpet fitting tools to get the right level of cover.
If you have one or more members of staff, employers’ liability insurance is usually a legal requirement. This insurance covers claims made by an employee for injury or illness caused by their work.
Other covers you can choose to add to your carpet fitter insurance policy include business buildings insurance and business contents insurance if you have a premises, and business legal protection insurance to cover your legal fees if your business faces something like a tax investigation or an employment tribunal. You can also add personal accident insurance, in case you suffer a serious injury.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.
By law, all vans in the UK used for business purposes need a commercial van insurance policy.
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– R Matthews, Handyman
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© Copyright 2019 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London EC2V 7NG.