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Business insurance for plasterers exists to protect you against the cost of mistakes and accidents. Ever wondered what you’d do if a tricky dry lining project didn’t go to plan, for instance? Or if you injured someone without meaning to? The right cover helps you manage the risks. It’s reassurance for you, your team and your customers.
As the person who’s closest to your plastering business, we let you customise your insurance to meet your needs. Only interested in the basics? Looking to add in extra cover for incidents such as accidents outside of work or HMRC investigations, leaving no stone unturned? It’s your policy, your way.
Public liability insurance
In case someone else experiences injury or property damage as a result of your plastering business.
Employers’ liability insurance
In case something happens to your employee while they’re working for your plastering business.
Tools insurance
In case something happens to your plastering tools.
Contract works insurance
In case your plastering work in progress is destroyed or disrupted.
Business and office equipment insurance
In case something happens to your business and office equipment.
Legal expenses insurance
In case you’re faced with legal costs as the owner of your plastering business.
Personal accident insurance
In case you or anyone you've covered has an accident.
In case someone else experiences injury or property damage as a result of your plastering business.
What’s typically covered by public liability insurance?
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 your employee while they’re working for your plastering business.
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 plastering tools.
What’s typically covered by tools insurance?
For example:
What you’ll need additional cover for
Read more about tools insurance
In case your plastering work in progress is destroyed or disrupted.
What’s typically covered by contract works insurance?
For example:
Read more about contract works 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 you’re faced with legal costs as the owner of your plastering business.
What’s typically covered by legal expenses insurance?
For example:
Read more about legal expenses insurance
In case you or anyone you've covered has an accident.
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 October 2019 - 31 March 2020). Most customers pay more than this but some pay less.
£8.65 /month
£66.45 /year
A self employed plasterer doing smaller domestic jobs
Public liability
£1,000,000
Employers’ liability
Not included
Tools
Not included
£27.45 /month
£243.99 /year
A family run plastering business that operate with 1 office based employee
Public liability
£2,000,000
Employers’ liability
£10,000,000
Tools
£3,000
How we work out example quotes These examples are real quotes from our online system (created 12/10/2020). 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.
Is public liability enough for third party property damage?
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 plasterers insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
In some situations you may need more than public liability to cover certain kinds of property damage. Learn about tools cover and contract works cover.
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 tools 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 builders insurance or painter and decorator 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 plastering insurance through Simply Business has saved plasterers thousands of pounds when the unexpected happened.
Kris (name altered for privacy) was doing a plastering job where there were some pipes coming out of the customer’s property. As Kris was trying to work around these pipes, he accidentally cracked them. Because this was his mistake, he needed to pay for the pipes to be replaced. Luckily he could turn to his plastering insurance to recoup the expense.
£3,062.40
Covering the cost of accidental damage
£100
The excess amount stated in Kris 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 plasterers 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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