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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:
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
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.
For example:
What you’ll need additional cover for
Read more about tools insurance
In case something happens to your business and office equipment
For example:
Read more about business and office equipment insurance
In case your furniture removals business is hit with legal costs
For example:
Read more about legal expenses insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
For example:
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
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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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
£10.16 /month
£81.59 /year
A self employed man with a van specialising in house moves
Public liability
£1,000,000
Employers’ liability
Not included
Tools
Not included
£144.51 /month
£1,284.50 /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 30/03/2022). 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 other services, 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 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, 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 above 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 2022
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 900,000 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. You can also check out our business insurance FAQs.
This depends partly on the way you run your man and van business, and partly on what’s important to you.
Do you have people working for you? Remember, you’re legally required to have employers’ liability cover.
And because you come into contact with other people (and their belongings) over the course of your removals work, public liability insurance is worth thinking about too. It steps in to cover the cost of accidental damage to somebody else’s property or accidental injury.
Do you rely on equipment such as a phone or laptop? You might also want to look into business and office equipment insurance.
Are you interested in safeguarding yourself and others from the financial difficulties that can follow on from injury and illness? That’s what personal accident insurance is for.
Finally, do you want an extra layer of protection against expenses following on from disputes with clients or employees, such as court costs and compensation payouts? You can take out legal expenses insurance.
Still feeling uncertain about what insurance you need for your man and van business? You might find it helpful to read our guide on assessing the risks.
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.
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:
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.
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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© Copyright 2023 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.