Kitchen and bathroom fitter insurance
What is insurance for kitchen or bathroom fitters?
Business insurance is there to protect your livelihood if something goes wrong on the job and results in a claim against your business. As a trade, bathroom or kitchen fitters need several covers that protect you for things such as:
- Accidental injury/damage
- Employees falling sick or getting injured on the job
- A client’s financial loss due to following your advice
- Lost, stolen or accidentally damaged tools
Do kitchen and bathroom fitters need business insurance?
Though business insurance isn’t a legal requirement for all kitchen fitters, it is mandatory for those who have employees to have at least employers’ liability insurance under the Employers’ Liability Act 1969.
However, though business insurance isn’t legally required, it’s still highly recommended that businesses invest in insurance to protect their livelihood.
As a professional kitchen fitter, you’ll install hi-tech hot-taps, top-of-the-range cooking ranges and elegant islands for discerning customers. Or if you’re a bathroom fitter, you’ll be up to your elbows in pipework for toilets, sinks, baths, and showers.
But what if a failed compression joint turns into extensive water damage? Or if the sharp, heavy equipment you’re working with injures a customer or employee? Would you be able to fork out the money for legal and compensation fees? With insurance, you’d be protected.
Remember - if you do both kitchens and bathrooms, AXA’s dual trade cover can protect you for all of it. Simply make sure you add both occupations at the start of your quote journey.
What insurance does a kitchen or bathroom fitter need?
Public liability insurance for kitchen and bathroom fitters
Kitchen and bathroom fitters carry out their day-to-day work in other people’s properties, so the main cover they need is public liability insurance for cover in the face of third-party claims. This cover protects your business against claims to cover damages and legal costs that people may make against your business.
You’ll get:
- Up to £10 million protection
- If your claim is accepted, you'll be covered for solicitors' fees, expert counsel, and compensation bills in your defence
- Optional extras such as own plant tools and equipment or legal expenses cover
Professional indemnity insurance for kitchen and bathroom fitters
Occasionally your clients will ask you to advise on the design of their kitchen or bathroom. If you do offer advice to a client and they make a claim against you for money they’ve lost as a result, professional indemnity insurance can help/ You'll benefit from professional indemnity if:
- You provide advice and consultancy
- You provide an expert service involving designs, plans, or calculations
Employers’ liability insurance for kitchen fitters
All businesses that have anyone working for them are legally required to have employers Liability insurance. It doesn’t matter if it’s one member of staff, or a 100. If they are trainees, or long-standing members of staff. Anyone working under you must be protected by employer’s liability in case they get accidentally injured or fall ill as a result of working.
The following groups of people all count as employees in this case:
- Full-time and part-time employees
- Self-employed contractors you hire
- Temporary staff, apprentices, and volunteers
- People taking part in work experience or training schemes
Own plant tools and equipment
Your tools are what makes your job easier - without them, you'd be in a sticky situation. With tools insurance, you can make sure that if your tools are accidentally damaged, lost, or stolen, you can get back to business as soon as possible.
Here are just a few of the things we can cover:
- Tools
- Portable tools and equipment (including electronic, communicating, and computing equipment)
- Constructional plant
- Machinery
- Trailers
- Side huts
- Caravans (including their contents)
Van insurance
When you’re working for different clients, you’re always on the move which means you rely on your van to keep business operating as normal. We understand how important it is to keep the wheels turning, that’s why van insurance from AXA is there to give you peace of mind.
With van insurance, you’ll get:
- Cover for accidental injuries caused to other people, their vehicles or property
- Cover for loss or damage to your van caused by fire or theft
- Cover if you out the wrong fuel in your van
- Your cover is continued while your van is being serviced or repaired
- Guaranteed courtesy van when your van is under repair at an approved garage following an accident
- Cover for personal injury to the driver of your van (up to £5000)
How much does business insurance for kitchen or bathroom fitters cost?
The cost of business insurance varies from business to business, and factors in a lot of different variables to give you a price that accurately reflects the cover your business needs.
For example, are you a one-man band or do you have employees? Are you only takin public liability, or do you need other covers? Do your work on private properties, commercial ones, or for local authorities? Do you have a lot of expensive tools? Do you only do kitchens, only bathrooms, or both?
All of these factors and more play a part in your price. AXA customers pay from £6.81* a month for business insurance with us.
To find out how much insuring with AXA will cost, simply click the button below to get a quote online today.
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*10% of our customers paid from £6.81 for ten months between July and September 2024 after an initial deposit. Interest applicable. For more details see our terms & conditions.