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In the furniture removals business, you can’t always prevent mishaps like broken toes, dented walls and smashed heirlooms – but you can make sure you’re covered. Furniture removal insurance can protect you against the cost of incidents at work.
We help you customise your removals insurance policy to meet your needs. The key piece of insurance for most removal professionals is public liability insurance. And if you have a team, employers’ liability insurance is a legal requirement. Beyond that, you can select the options that suit your setup.
Public liability insurance
In case someone experiences injury or property damage as a result of your removals business.
Employers’ liability insurance
In case something happens to an employee while they’re working for you
Tools insurance
In case something happens to your furniture removal tools.
Business and office equipment insurance
In case something happens to your business and office equipment
Legal expenses insurance
In case your furniture removals business is hit with legal costs
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
In case someone experiences injury or property damage as a result of your removals business.
Claims against your business for:
What’s typically covered by public liability insurance?
For example:
What you’ll need additional cover for
Read more about public liability insurance
In case something happens to an employee while they’re working for you
What’s typically covered by employers’ liability insurance?
Claims against your business for:
**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:
In case something happens to your furniture removal tools.
What’s typically covered by tools insurance?
For example:
What you’ll need additional cover for
Read more about tools insurance
In case something happens to your business and office equipment
What’s typically covered by business and office equipment insurance?
For example:
Read more about business and office equipment insurance
In case your furniture removals business is hit with legal costs
What’s typically covered by legal expenses insurance?
For example:
Read more about legal expenses insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
What’s typically covered by personal accident insurance?
For example:
Read more about personal accident insurance
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.
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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 July - 31 December 2020). Most customers pay more than this but some pay less.
£10.56 /month
£85.62 /year
A self employed man with a van specialising in house moves
Public liability
£1,000,000
Employers’ liability
Not included
Tools
Not included
£151.31 /month
£1,345.01 /year
A small local movers firm with 2 employees
Public liability
£5,000,000
Employers’ liability
£10,000,000
Tools
£8,000
How we work out example quotes These examples are real quotes from our online system (created 20/01/2021). 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.
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 |
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.
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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 furniture removal insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
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.
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.
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.
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 courier insurance or handyman insurance?
If you provide these services alongside building work, make sure you’re covered:
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.
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.30am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.00pm, Sat 09.00am - 02.00pm
Call our team
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.
Paying 80% of settled claims within 24 hours in 2019
Having furniture removal insurance through Simply Business has saved furniture removal experts thousands of pounds when the unexpected happened.
While in the process of delivering a piano for a customer, Barnaby (not his real name) scratched a driveway by mistake. Luckily he could rely on his removal insurance policy to fund the expense of making things right again.
£1,204.00
Covering the cost of accidental damage
£100
The excess amount stated in Barnaby policy terms
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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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 furniture removal insurance.
We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer
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