Carpet fitter insurance
Join over 1,950 carpet fitters like you with cover from £3.49 per month*
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Rated 4.7/5
Based on 39,770 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need carpet fitter insurance?
Out on a commercial job or doing admin from the sofa, a day in the trade presents risks all the time, even if you’re working solo. From an employee injury claim to ruined carpet stock and materials, would you have the funds ready to pick up and carry on? Choose from a range of covers to build the right policy.
- public and product liability between £1 million and £10 million
- quotes start at £3.19 a month based on 2023 data
- protection from big claims like accidental injury and damage
What does carpet fitter insurance cover?
From employee injuries to ruining a client’s carpet order, trade-specific insurance can cover you for a range of risks. An employers’ liability claim, for example, can run into millions of pounds, especially when working on high-risk sites or with specialist equipment. We provide options for employers’ liability, plus public and product liability, tools, and personal accident cover.
Public liability insurance for carpet fitters
In case an injury or property damage is blamed on your carpet business
Employers’ liability insurance
In case an employee gets sick or injured because of working for you
Tools insurance
In case your carpet fitting tools are lost, stolen, or damaged
Stock insurance
In case something happens to the carpet and materials you keep in supply.
Business and office equipment insurance
In case things like your laptop or phone are lost, stolen, or damaged.
Hired-in plant insurance
In case your rented plant machinery, like a door trimmer, is lost, stolen, or damaged.
Own plant insurance
In case your own plant machinery, like a door trimmer, is lost, stolen, or damaged.
Legal expenses insurance
In case you have to pay legal costs connected with your carpet business
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
Public liability insurance for carpet fitters
In case an injury or property damage is blamed on your carpet 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 working at a customer’s property and accidentally rip up carpet from the wrong room, which will need to be fully replaced
- an employee leaves some grips on the floor and your client’s child steps on them, injuring their foot
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 carpet 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:
- one of your employees staples their finger while fitting a carpet, and needs an operation
- your apprentice slips on the carpet cuttings you’ve left out, falls down the client’s stairs and injures their back
Tools insurance
In case your carpet fitting 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 carpet fitting equipment
For example:
- your employee steals a new set of knee kickers you’ve ordered for the team
- the kids living next door to your commercial site get hold of your saw and damage it
What you’ll need additional cover for
- larger plant items you use to carry out your carpet fitting – you’ll need to add our specific plant cover for these
Read more about tools insurance
Stock insurance
In case something happens to the carpet and 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:
- a fire in your workshop damages your carpet orders and other stock items, which will need replacing
- the carpet you’ve just had delivered for a local hotel job is stolen from your locked site unit
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 carpet business
- operational equipment like your laptop, rather than the carpet trade tools you take out and about
For example:
- a flood in your home damages some of the equipment you use to run your business, including your phone and a new laptop
- your contractor drops your laptop while carrying equipment from the van – it won’t switch on and the screen is badly scratched
Read more about business and office equipment insurance
Hired-in plant insurance
In case your rented plant machinery, like a door trimmer, is lost, stolen, or damaged.
What’s typically covered by hired-in plant insurance?
- loss, damage, or theft of things like a power stretcher, which you’ve hired in
For example:
- your business partner is moving equipment to a new garage and loses two rented power stretchers
- the door trimmers you’ve rented are stolen from your locked site unit while you’re away on holiday
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 door trimmer, is lost, stolen, or damaged.
What’s typically covered by own plant insurance?
- loss, damage, or theft of things like your own door trimmer or power stretcher
For example:
- the two door cutters you keep on site are stolen during a break-in
- a contractor damages your power stretcher, delaying the big commercial job you’re both working on
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
Legal expenses insurance
In case you have to pay legal costs connected with your carpet business
What’s typically covered by legal expenses insurance?
- legal costs attributed to your 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 recommended carpet fitter
For example:
- your client is disputing an invoice, saying they don’t feel you’ve met your contractual obligations – you need to pay for legal representation
- an employee is let go due to poor attendance and repeated lateness – they bring an unfair dismissal claim against you and you need to pay legal 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:
- you drop a door on your foot, causing bad bruising and a week off work
- an employee breaks their wrist at the weekend while playing squash, and needs an operation
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 carpet 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 £3.49 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.
Example carpet fitter insurance quotes, real prices
£9.51 /month
£75.05 /month
A self-employed carpet fitter working on local residential and commercial properties
- 1-2 years' experience
- Sole trader
- No employees
- Based in Leicester
Public liability
£1,000,000
Employers’ liability
Not included
Tools
Not included
£70.38 /month
£625.59 /month
A small carpet fitting business working on projects across the UK, with one office-based employee
- 5+ years' experience
- Limited company
- 3 employees
- Based in Stoke-on-Trent
Public liability
£2,000,000
Employers’ liability
£10,000,000
Tools
£7,000
How we work out example quotes These examples are real quotes from our online system (created 09/06/2021). 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
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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?
Which type of workers do I need insurance for?
Will tools insurance cover all my equipment?
Does carpet fitters insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
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 carpet fitters 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 flooring contractors insurance or tradesman insurance?
Do I need cover for other types of work?
If you provide other services, 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
Call our team
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 carpet fitter insurance through Simply Business has saved trade professionals thousands of pounds when the unexpected happened.
Chris saved more than £5,000
While fitting some carpet in a client’s house, Chris (not his real name) damaged some delicate wallpaper, which would need to be imported from abroad and completely replaced. The public liability cover in his carpet fitters’ insurance took care of the accidental damage costs.
Insurance payout
£5,066.40
Covering the cost of accidental damage
Chris’s costs
£100
The excess amount stated in Chris’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.
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Rated 4.7/5
Based on 39,770 reviews
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Carpet 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 carpet 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 plumber, you may also do building work on certain jobs – 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 043 8527 and one of our insurance experts will help you set up your policy in minutes.
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.
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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