Plasterers insurance
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Rated 4.7/5
Based on 39,253 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need plasterers insurance?
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.
- Stress less about accidental damage to customer property while carrying out your plastering work
- Get support to keep you going when an unexpected event gets in the way
- From your specialist tools to your business equipment to your employees, cover what you need
What does plasterers insurance cover?
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 for plasterers
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.
Public liability insurance for plasterers
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:
- accidents that happen because of your plastering work, or because of your employee’s plastering work (keep in mind, if you employ people, you’re legally required to have employers’ liability insurance)
- damage caused by you or your employee to someone else's property
- injury caused to someone else by you or your employee
For example:
- you’re plastering a customer’s bathroom ceiling, and you accidentally scratch some newly fitted tiles with your trowel in the process
- your apprentice is trying to cover up the sash windows in the living room so the plastering can begin, but they lose their balance, cracking one of the glass panes
What you’ll need additional cover for
- any other work you do that isn’t specifically plastering, such as painting, building, rendering – you’d need to insure this as a separate trade in your policy
Read more about public liability insurance
Employers’ 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:
- an employee (including casual and temporary workers) falling ill as a result of being employed by you, and suing you for damages
- an employee getting injured while carrying out work 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:
- your apprentice is plastering the ceiling and they fall off the ladder and break their back
- your employee suffers chronic migraines after breathing in solvent fumes in a badly ventilated house that’s being redecorated
Tools insurance
In case something happens to your plastering tools.
What’s typically covered by tools insurance?
- theft of your plastering tools, either on site or stored at your business premises
- flood, fire, and accidental damage to your plastering tools
For example:
- your plastering trowel and your steel taping knife are stolen from your parked van while you’re working inside a customer’s house
- you accidentally drop your taping knife as you’re plastering a wall and the knife breaks, so you need to buy a new one
What you’ll need additional cover for
- your plastering tools while locked in a vehicle overnight – to add in this protection, you’d need to select tools overnight cover as an optional extra
Read more about tools insurance
Contract works insurance
In case your plastering work in progress is destroyed or disrupted.
What’s typically covered by contract works insurance?
- damage to your ongoing plastering work on a commercial or domestic premises
- damage or theft to the plastering tools and equipment left on site that are needed to complete a job
For example:
- you’re working at a construction site and vandals set fire to the building you’re plastering, which sets back the completion date of the contract
- there’s a flood at a customer’s house where you’ve been doing the plastering – it damages the tools and materials you’ve been storing there to finish the job, causing a delay to the completion date
Read more about contract works insurance
Business and office equipment insurance
In case something happens to your business and office equipment.
What’s typically covered by business and office equipment insurance?
- theft or loss of the equipment you use to run your business (i.e. operational equipment, rather than plastering tools) while stored at your business premises
- flood, fire, or accidental damage to your equipment
For example:
- you knock your laptop off the table while you’re creating an invoice for a recent dot and dab plasterboard project, breaking the screen
- the desktop computer you use for your plastering business is stolen from your premises
Read more about business and office equipment insurance
Legal expenses insurance
In case you’re faced with legal costs as the owner of your plastering business.
What’s typically covered by legal expenses insurance?
- legal costs that crop up in the day-to-day running of your company
- the cost of claims relating to property damage, nuisance or trespass
- the cost of resolving disputes, whether to do with tax and compliance or your employees
- a tax advice helpline, a 24/7 confidential legal helpline, and crisis communications support to help you protect the reputation of your plastering business
For example:
- you fired your trainee plasterer after discovering that they were stealing drywall materials from you, but they’re denying it and accusing you of unfair dismissal, so you need to defend your legal rights
- your plastering company is being looked into by HMRC, and you (and any other directors) need help responding to HMRC’s enquiries
Read more about legal expenses insurance
Personal accident insurance
In case you or anyone you've covered has an accident.
What’s typically covered by personal accident insurance?
- injury or death at work or outside of work, for anyone covered on the policy
- lost income, medical costs and hospitalisation benefit
For example:
- you’re working on a plastering job and the wind slams the heavy front door shut on your hand, so two of your fingers have to be amputated
- your casual labourer suffers a slipped disc lifting weights at the gym
Read more about personal accident insurance
How much does plasterers 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 £6.77 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
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 Jan 2021 - 31st August 2021). Most customers pay more than this but some pay less.
Example plasterers insurance quotes, real prices
£8.65 /month
£66.45 /year
A self employed plasterer doing smaller domestic jobs
- 1-2 years' experience
- Sole trader
- No employees
- Based in Nottingham
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
- 3-4 years' experience
- Limited company
- 2 employees
- Based in Solihull
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.
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 |
| 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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We handle claims, so you can get on with business
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 plasterers 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 tools 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 plasterers 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 builders insurance or painter and decorator insurance?
Do I need cover for other types of work?
If you provide these services alongside building work, 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 below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£30 million in claims paid out in 2019
Paying 80% of settled claims within 24 hours in 2019
Example claim
Having plastering insurance through Simply Business has saved plasterers thousands of pounds when the unexpected happened.
Kris saved more than £3,000
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.
Insurance payout
£3,062.40
Covering the cost of accidental damage
Kris costs
£100
The excess amount stated in Kris policy terms
Chosen by 800,000 small businesses
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Plasterers 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 plasterers 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.
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:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
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.
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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