Carpet Fitters Insurance
If you own or manage a Carpet Fitters and Flooring Contractors business, it’s vital to get the right insurance protection in place. Buckingham Insurance can arrange the right cover for your business.
- Free quotes – from a range of leading UK insurers
- Flexible payment and finance options
- Advice on what cover types and levels may be appropriate
- Tools cover – including tools left in vehicle
- Personal injury cover
Who needs to buy carpet fitters insurance?
If you own or manage a business fitting carpets and other flooring, it’s worth thinking about the specific risks you face that could prove costly. Where you have employees, even if they are casual labour or sub contractors, you’re required by law to have employers liability in place. If you are working as a contractor on new builds – whether domestic or commercial, it’s likely that you will need some public liability in place as part of the contract you’re signed up to. For everything else – from tools to office equipment, it’s just sensible to protect your key business assets.
What does Carpet Fitters Insurance cover?
Carpet Fitters Insurance cover can be tailored to meet your specific needs – meaning that you get adequate protection for your business without paying for cover you might not need. Typically, a carpet fitter will need to consider covers as follows:
Carpet Fitters Public Liability Insurance
Imagine a customer alleges that they have suffered a financial loss or injury as a consequence of your work. You’ve nipped out to your van to get some tools, and they have tripped over a roll of underlay. Public liability insurance can protect you from the legal costs of defending a claim, as well as cover any payment awarded, up to a specified limit. Because you will most likely spend a lot of your time on peoples property, public liability is something of a ‘must have’ for carpet fitters.
While not a legal requirement, it makes sense to have some cover in place for your own piece of mind. Where you are working as a subcontractor – for example in domestic or commercial new builds, it may well be a contractual obligation.
Employers Liability Insurance for flooring contractors
Employers Liability – sometimes abbreviated to ‘EL’ cover is a legal requirement for all UK businesses with staff or even sub-contractors and casual labour.
What other insurance types might be appropriate to flooring contractors?
As with any business, there are likely to be a range of further considerations. Cover can be included for things such as:
- Work van – which will need insurance to be on the road in the first place!
- Tools insurance – in the event that things get stolen on site, or even from your lock up or van.
- Workshop buildings and content – where you run the business from commercial premises
How much does carpet fitters insurance cost?
As outlined above, it really depends what covers – and what indemnity limit (the maximum that a cover will pay out in the event of a claim) you choose.
To get a no obligation quote, why not get in touch today? One of our advisors will be happy to talk through your needs and find an appropriate policy.