Insuring your plastering business
Plastering is a physically demanding role that takes hard work, organisation and a lot of skill. You take pride in your work, but sometimes things slip – whether it’s a deadline or a member of the public, and either of those can be damaging for your bottom line. Putting business insurance in place means you’re covered when things don’t go to plan and at Hiscox we can tailor your insurance package to your trade and to your plastering company.
Why you need business insurance in plastering
Keeping people safe
Plastering is demanding, but it’s not just about smoothing walls – another contractor on site or even a member of the public could be injured, whether your business is at fault or not. If a third party is injured, they may bring a claim against you, costing time, money and possibly your reputation. We can cover you for expenses and legal claims, so you can get on with the 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. These injuries are upsetting, stressful and could leave someone unable to work or earn. Even if you operate alone, a friend helping out in a busy period could still mean you’re held to account for any injuries. We can cover you for expenses, legal claims, loss of earnings, and even the cost of retraining in the event of permanent disability.
Protecting your equipment
Plastering is a skilled trade that relies more on your own ability than on high technology, but you still use specialist equipment that isn't cheap and isn’t always easy to replace. If you don't have access to the tools you need, work stops and that means deadlines are pushed back. You risk losing time and money while dealing with angry clients and the delays are even more stressful if you’re dealing with theft. Having business insurance in place means we’ll cover the costs of repairs or replacements and get you back on track.
If you’re not sure what you need, tell us a little more about your business. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for plasterers
Public liability insurance
The nature of your work means you’ll be carrying our projects in public places. That might be a kitchen or a public building, but either way, you need to know you’re protected if someone is injured and they blame you. Public liability insurance for plasterers protects you if a member of the public claims they’ve been injured or their property was damaged because of your products or actions carried out by an employee. It covers the cost of compensation and the legal expenses of the claims process. Both public liability and product liability cover will help you with the costs of compensation and the legal expenses of the claims process.
Employer liability insurance
As a skilled tradesperson you know your job inside out, but if you have anyone else on site reporting in to you, you need to know you’re covered should they take legal action against you. What seems obvious to you might not be so clear to them – they may be inexperienced, or you may even have a family member just helping out. If they're injured or they become ill you may find they blame you and that could lead to expensive legal action.
Portable equipment insurance
Yours is the kind of job where people trust you to turn up and just get on with the job in hand. That’s the way you like to work too, but if you find yourself without your key equipment everything stops. It’s embarrassing, annoying and expensive. Portable equipment insurance covers your plastering tools against loss, theft or damage. It’s there to ensure you can get equipment repaired or replaced as quickly and easily as possible, helping to avoid project delays.
These are just some of the types of business insurance for plasterers that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
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