Insurance for Flooring Contractors and Carpet Fitters
Looking for Carpet Fitters Insurance? BJP Insurance Brokers is a leading independent broker with years of experience arranging insurance cover for a range of tradesman – including carpet fitters.
- Free quotes – from a range of leading UK insurers
- Flexible payment and finance options
- Competitive premiums
- Tools cover – including tools left in vehicle
- Personal injury cover included for free!
Who needs carpet fitters insurance?
Anyone involved in installing floor coverings of any sort need to have the correct insurance cover in place. If you are working as a subcontractor, fitting flooring cover of any sort, either in commercial or domestic premises, it’s likely that you have a contractual obligation to have a certain level of Public Liability Insurance in place. You may benefit from a range of other insurance types, too, depending on your business.
What does Flooring contractors insurance cover?
The cover options we can provide are varied. Flooring Contractors Insurance covers can be sold individually (for example, Public Liability) or packaged together to provide you with a tailored policy that meets your specific needs. Some of the more standard covers are as follows:
Carpet Fitters Public Liability Insurance
This provides protection in the event that a member of the public (most likely a customer) alleges that they have suffered a loss or injury as a consequence of your work. It could be as simple as leaving a Stanley knife lying around while you get something from your van. Public Liability insurance is invaluable to carpet fitters because you will most likely spend most of your time on other people’s property.
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.
Public Liability (PL) cover protects you from the costs of legal fees accrued in defending yourself, as well as any compensation awarded, up to a policy limit that you can stipulate.
Carpet Fitters Employers Liability Insurance
This works in a similar way to Public Liability, but where the allegation of illness, injury or loss comes from an employee.
Unlike PL, Employers Liability (EL) cover is a legal requirement for all UK businesses where people are working under its control or direction. That includes sub-contractors and casual labour.
Other covers that you may need to consider, depending on your circumstances include:
- Flooring contractors Contract Works / Contractors All Risk Insurance
- Tools Insurance
- Professional Indemnity Insurance
- Bespoke private medical insurance
- Legal Expenses Insurance for Carpet Fitters
- Directors & Officers Liability Insurance
To receive a quote or to seek advice from one of our specialist insurance advisers about insuring your carpet fitting business, please complete the enquiry form and we’ll be glad to assist you. We even offer access to a free site risk assessment tool for tradesmen. An adviser will contact you as soon as possible to discuss your requirements.