Business insurance for Plasterers

Plasterers smooth things over, priming clients’ buildings for lasting quality. Insurance works similarly, by offsetting risks for your business. 

All sorts of plasterers can encounter problems – whether you focus on skimming bathroom ceilings or major construction contracts. Policies like public liability insurance can take the pressure off for plasterers if there’s an accident, or a claim made against your business. 

When professional plasterers face bumps, insurance helps to keep your trade ticking over.


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Why choose Hiscox for your plasterer's insurance?


Affordable insurance from just £8.40 a month*We tailor cover to each plasterer's business, meaning insurance can start from just  £8.40 per month.

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between January 2023 and January 2024


Practical supportCertain policies come with access to experts if you're caught in a tight spot.


Award-winning service400,000 businesses trust Hiscox* – and we've won the Feefo Platinum Trusted Service award across consecutive years.  

*based on the number of policies sold in 2023

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Why do plasterers need insurance?

Keeping people safe

Plastering is demanding, but smoothing walls isn’t the only challenge – another contractor or a member of the public could be injured through contact with your work. 

When a third party is injured after stepping on your sharp trowel, they may decide to bring a claim against you, costing time, money and possibly your reputation. 

Here, public liability insurance can provide cover for self-employed and employee plasterers, to tackle claims and expenses. So, you can continue with your day-to-day.

Employee illness

It’s not just members of the public you need to worry about. Your employees can also be injured on site or develop an occupational illness. 

You operate alone, and things are going well, but an out-of-the-blue call from an ex-plasterer employee changes things. When they say they have chronic asthma due to dust exposure, you’re facing costly court action. 

Hiscox liability insurance can cover plasterers for legal expenses and help you meet compensation demands.

Protect your tools

Sometimes, problems can strike completely out of the blue. You might be unloading a jointing compound from your van when thieves target your electric mixer, blades and trowels. 

Plastering is a skilled trade that relies on expensive specialist equipment. If you don’t have access to the tools you need, work stops – and that means deadlines are pushed back. 

Plasterers can tailor their insurance policy to include tools cover, which can help with the costs of repairs or replacements and get you back on track.

What insurance is available for plasterers?

If you’re a plasterer who provides design and consultancy services you may also consider professional indemnity insurance. Another cover plasterers may opt for is legal protection insurance.

“Very easy process using the website to select and set up our PII cover. Plus quote was very competitive but with the comfort of being backed by a well-known brand.”
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Insurance for plasterers: FAQs

What insurance do I need as a self-employed plasterer?

Trading alone gives plasterers the freedom to take on all kinds of jobs, but it could also mean you need certain insurance products to account for the responsibility you take on. 

Public liability insurance could be important for self-employed plasterers, due to the hazards that can come with using tools near clients and passers-by. You might also have a need for tools insurance if you’d struggle to pay for repairs and replacements without it. 

Explore all the types of business insurance we offer the self-employed.

How much is insurance for plasterers?

How much a plasterer can expect to pay for insurance depends on the type and amount of cover you buy. If you add several types of business insurance to your policy, then the cost may be higher. But it’s good to know that, with Hiscox, costs start at £8.40 per month*. 

Policy limits also make a difference – and the size and nature of your plastering business will shape how much cover you need. For instance, if you run a large firm that employs dozens of plasterers in multiple locations, your public liability risk profile might be higher. 

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between January 2023 and January 2024

What risks could public liability insurance for plasterers cover?

Public liability insurance could help a plasterer if they accidentally hurt a homeowner or business customer during their work. If a ladder falls over or they drop a heavy tool, for example. It may also come into play if a dust sheet fails to protect furniture or carpets from serious harm. 

Specialise in big commercial jobs? PL cover could also deal with claims from the public that you failed to take proper care in a busy environment.