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Bathroom Fitter Insurance
Compare insurance for bathroom fitters
Tailored business insurance for your bathroom business
Protect against claims from customers or employees
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses and sole traders
Get tailored cover to protect against claims from customers and the public
Get the protection you need with no needless extras
What is...
bathroom fitter insurance?
When you’re fitting the latest bathroom styles, insurance is probably the last thing on your mind. Bathroom fitter insurance is designed for bathroom installation professionals, whether you’re self-employed or run a small business.
It can help protect you, your business, your employees, and your clients from various risks associated with bathroom fitting work, so you can focus on the job at hand.
Who is covered under bathroom fitter insurance?
We can help the majority of bathroom fitting businesses and sole traders, including:
- Independent bathroom fitters
- Bathroom fitting companies
- Employed bathroom fitters
- Subcontractors (when specified in the policy)
- Apprentices and trainees
- Business partners and employees
Why do bathroom fitters need insurance?
It’s a good idea to consider insurance in case you run into the following:
- You accidentally damage a client’s property
- A client claims your work caused a leak or defect
- Your tools or equipment are stolen from a job site
- A fire or disaster damages your stored stock
- An employee gets injured as a result of their work
- A customer complains about damage caused during installation
If you run your business and have employees, you’ll also need employers’ liability insurance, a legal requirement. If you are self-employed or contracted and work alone, you won’t need this.
What does bathroom fitter insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services
Commercial building insurance
To protect business premises that you own, whether you're using them or renting them out to others.
Stock and contents insurance
Provides cover for stock, including food & drink supplies against theft or damage by fire or other insured events
Tool or machinery insurance
Protects against the cost of damaged, lost or stolen equipment.
Personal accident cover
Financial compensation in the event of a personal injury as a result of your work.
What doesn’t it cover?
While your cover can be tailored to your business, you may see the following exclusions:
- Deliberate acts or negligence
- Normal wear and tear
- Undeclared work activities
- Work completed before insurance coverage began
- Claims exceeding policy limits
How much does bathroom fitter insurance cost?
How much you’ll pay annually will depend on a number of factors, including the size of your business, business location, type of policy purchased, coverage limits and previous claims history.
Do you need separate insurance for apprentices?
If you have apprentices or training fitters who aren’t fully qualified, you must tell your broker
so the right cover can be arranged. Any business that as apprentices will need employers’ liability and need to be included in the number of employees when speaking to a broker.
Keep in mind your cover is only likely to be valid if you stick to the following:
- Apprentices only carry out activities they’ve been professionally trained for
- They should be under regular supervision by someone who is fully qualified
- You tell clients the apprentices are not fully qualified
Please check with your insurer for terms and conditions that you may have to follow.
Sort bathroom fitter insurance with Bionic
At Bionic, we support UK business owners and want to help in every way we can. That’s why we have knowledgeable insurance brokers who work with a panel of trusted insurers to find you the insurance that fits your business needs.
Get in touch with us today by carrying out a business insurance comparison to get started.
“Comprehensive cover for bathroom installation professionals can protect your business against accidents, damage and liability claims."
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Bathroom Fitter FAQs
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