Why do bathroom and kitchen fitters need insurance?
An employee injury
While your labourers help to fit a client’s new kitchen, a particularly awkward unit proves hard to shift. The result is an employee injuring their back. Their GP diagnoses them with a slipped disc and says they need to stay off work until it heals.
If your employee claims they weren't given the correct training, they might take legal action for compensation. Employers’ liability insurance is typically required by law if you employ staff. Even if these are casual workers or labour-only sub-contractors.
You burst a pipe
When installing a new bathroom sink at a client’s property, you accidentally burst a pipe. The water damage to your client’s home is extensive and will cost a substantial amount. While you fix up as much as you can, the customer remains unhappy, and threatens to sue.
If they choose to seek compensation, public liability insurance could prove useful. It can help with compensation and legal costs you may have to pay.
Failing power tools
Your trusty hand-powered router has helped you shape the wood on some beautiful custom kitchens. So, when it packs up halfway through a project it’s catch 22. You can’t quite cover the cost of replacing it until you get paid for this job. And you can’t finish this job until you replace it.
With equipment breakdown insurance, you can relax. It’ll help to cover you for the cost of replacing your malfunctioning router, so you can finish the job as agreed – and create a perfect finish to your client’s woodwork.
What insurance is available for bathroom and kitchen fitters?
If you’re not sure what you need, tell us a little more about your kitchen or bathroom fitting business.Build my cover
Insurance for bathroom and kitchen fitters: FAQs
Should a bathroom fitter have insurance?
If a bathroom fitter employs someone, they will likely be legally required to hold employers’ liability insurance. You may also choose to take out public liability insurance in case a member of the public is injured or their property damaged through your work.
Is a bathroom fitter a plumber?
A bathroom fitter isn’t a plumber. However, some fitters may also be able to do plumbing work. Likewise, some plumbers may also be able to fit bathrooms. While the job roles slightly overlap, both will need similar levels of insurance for effective cover.
If your work covers both fitting and plumbing work, contact us to check what cover is available for each trade. If you tell us you undertake work that involves electrical or gas installation or appliance work, we’ll ask whether you hold a nationally recognised qualification for that. For example, being on the Gas Safe Register (external link) or the Competent Person Electrical Register. We’ll likely need to see this evidence to show you’re qualified for each aspect of your services.
Do you legally need public liability?
Public liability insurance isn’t a legal requirement for business owners. But many clients will insist you’re covered before you can start work. It can be a condition of a contract, especially in the public sector. Also, if you want to join a trade association or body, they may require a minimum level of PL cover for their members.