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You may require tradesman insurance if you are a tradesman who works in clients homes or offices.
Running your own carpet fitting business probably doesn’t leave you with a lot of time to sort out your paperwork. But overlooking essentials like your tradesman insurance means putting you and your business at financial risk. To ensure you don’t get caught out, here’s what to bear in mind.
Why do I need insurance for carpet fitting?
Carpet fitter insurance can help cover the costs if something goes wrong. Like other types of business and tradesman insurance, policies protect you from a range of events like theft of tools or vandalism to your business premises. You can also opt for cover to help defend yourself from claims made against you.
Without taking out an appropriate carpet fitter policy, you’d be expected to meet these costs yourself – which could run into the thousands of pounds.
What does carpet fitter insurance cover?
Policies combine different types of insurance, so no two packages are likely to be exactly the same. With that in mind, it’s crucial to familiarise yourself with the terms and conditions of a policy so you know exactly what is and isn’t covered.
In most cases, insurers will also let you add on extra features to ensure your carpet fitting business has the overall protection it needs.
Typical carpet fitter policies often combine these types of insurance:
- Public liability insurance – pays legal fees and compensation if a member of the public takes you to court because they blame you for injury or damage to their property – for example if you damage a skirting board while laying a carpet.
- Employers’ liability insurance – provides compensation if a member of staff becomes sick or has an accident while working for you. You need this by law if you employ anyone – even if part time workers. If you need it but don’t have it, you could face a daily fine of £2,500.
- Tools and equipment insurance – compensates you if items are damaged or stolen. Some policies will give you the option of new for old – which means you’ll be compensated with enough money to buy brand new tools or equipment. On the other hand, some policies may take into account wear and tear so you may only get a fraction of the amount you need to replace what’s been damaged.
- Buildings and contents insurance – covers the cost of repairing or rebuilding any commercial premises you own as well as replacing any office equipment that’s been damaged or destroyed.
- Legal expenses insurance – pays court and legal fees if you’re involved in a dispute.
- Contract works insurance – compensates you for work you have to do again because it was damaged or destroyed by an insured event, for example if a flood ruined the carpet on a job you hadn’t finished.
- Personal accident insurance – makes up for lost income if you’re injured through work. Policies can also be extended to include compensation to loved ones if an accident proves fatal.
What level of carpet fitters insurance do I need?
Levels of cover vary according to the insurer; they also differ depending on the type of insurance and in some instances, an insurer may give you a choice. For example, public liability often ranges from £1 million to £5 million although you can of course ask for more if you think you need it. As a guide, contractors working for local authorities are expected to have at least £5 million worth of public liability cover.
Ultimately, the levels of cover that are right for you, depend on your business, the value of your tools and equipment, and the risks you face.
If you need employers’ liability, you must have a minimum of £5 million by law.
How much does carpet fitter insurance cost?
Cost comes down to numerous factors including the number of features your policy has and the levels of cover you choose – the more comprehensive the package – the higher your premium is likely to be.
Although cost will play an important part in your decision, it shouldn’t be the only influence. Cheaper policies might look like a bargain, but they could prove a false economy and may not give you the level of cover you need. They could also contain a long list of exclusions (events that aren’t covered) or have a high policy excess – which is the amount you pay towards a claim.
Search for carpet and laminate flooring insurance
There’s a lot to think about when it comes to choosing the right carpet fitter insurance and we understand you want protection without it costing the earth.
At Quotezone.co.uk, we work with a number of trusted insurers so when you search with us you can be confident about getting great choice and value. To start your quote, simply answer a few questions and we’ll bring back deals based on exactly what you need – start now.