Kitchen fitter insurance

Fitting kitchens isn’t just about making homes look great—it’s precision work that requires skill, the right tools, and, ideally, a bit of insurance backup. Whether you’re working on a high-end bespoke kitchen or a simple refit, kitchen fitter insurance ensures that if something goes wrong, you won’t be left with a hefty bill.

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Overview

How much does kitchen fitter insurance cost?

Public liability starts at £13.41 a month or £160.92 a year for £1,000,000 cover. The cost of kitchen fitter insurance depends on several factors, including the type of work you do, whether you employ staff, and the level of coverage required.

A solo tradesperson will typically pay less than a larger team working on multiple high-value projects. The best way to find out your exact cost? Get a tailored quote based on your business needs.

Public liability

Protects you against accusations of causing an accidental injury or property damage to either your clients or a third party.

Up to £10,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

From

£13.41

per month

Learn more

Key cover

Professional indemnity

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Nil excess

Dedicated legal team

A+ insurer

Competative prices

From

£18.41

per month

Learn more

Key cover

Employers' liability

Provides coverage for compensation costs, legal fees, and medical expenses related to employee injuries sustained at work.

£10,000,000 cover as standard

Flexible cover

No deductible

Underwritten by top insurers - Admiral Business

From

£1.25

per month with public liability

Learn more

Flexible

Electronic devices

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Up to £10,000 cover

Accessories included

Hired equipment is covered

Worldwide cover

From

£9.24

per month with a key cover

Learn more

Worldwide

Trade tools

Covers the cost of repairing or replacing your tools if they’re stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Musical instruments

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Stock

Protects your inventory from various risks, including theft, fire, flooding, or malicious damage.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Owned & hired plant

Protects heavy equipment and machinery used in industries like construction, engineering, and agriculture.

Up to £50,000 cover

Insure for as long or as short as you need

Competitive prices

Low deductibles

Cover anywhere in the UK, including transit

From

£9.50

per month with a key cover

Learn more

Flexible

Contract works

Covers the work you’re responsible for during construction or renovation projects.

Cover up £500,000

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£12.00

per month with a key cover

Learn more

UK wide

Commercial legal expenses

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included

with every subscription.

Learn more

Included

Professional indemnity

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Nil excess

Dedicated legal team

A+ insurer

Competative prices

From

£18.41

per month

Learn more

Key cover

Public liability

Protects you against accusations of causing an accidental injury or property damage to either your clients or a third party.

Up to £10,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

From

£13.41

per month

Learn more

Key cover

Employers' liability

Provides coverage for compensation costs, legal fees, and medical expenses related to employee injuries sustained at work.

£10,000,000 cover as standard

Flexible cover

No deductible

Underwritten by top insurers - Admiral Business

From

£1.25

per month with public liability

Learn more

Flexible

Electronic devices

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Up to £10,000 cover

Accessories included

Hired equipment is covered

Worldwide cover

From

£9.24

per month with a key cover

Learn more

Worldwide

Trade tools

Covers the cost of repairing or replacing your tools if they’re stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Musical instruments

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Stock

Protects your inventory from various risks, including theft, fire, flooding, or malicious damage.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£5.60

per month with a key cover

Learn more

Van cover

Contract works

Covers the work you’re responsible for during construction or renovation projects.

Cover up £500,000

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From

£12.00

per month with a key cover

Learn more

UK wide

Owned & hired plant

Protects heavy equipment and machinery used in industries like construction, engineering, and agriculture.

Up to £50,000 cover

Insure for as long or as short as you need

Competitive prices

Low deductibles

Cover anywhere in the UK, including transit

From

£9.50

per month with a key cover

Learn more

Flexible

Commercial legal expenses

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included

with every subscription

Learn more

Included

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get my price

A few questions to get an instant price.

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Insurance Times Awards 2023, finalist, challenger of the year.

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National Insurance Awards 2024, shortlisted, commercial lines, specialist broker of the year.

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In detail

What is insurance for kitchen fitters?

Insurance for kitchen fitters is designed to protect professionals against the various risks involved in kitchen installation.

From accidental property damage to third-party injuries, having the right cover means you can focus on your work, knowing you’re financially protected should the unexpected happen.

Public liability insurance for kitchen fitters

Even with years of experience, accidents can happen. Public liability insurance for kitchen fitters covers claims related to third-party injuries or property damage. If a customer trips over your tools or you accidentally damage their kitchen units during installation, this cover helps with legal fees and compensation costs.

Many clients and contractors will require proof of public liability insurance for kitchen fitters before allowing work to commence. It ensures that if your work leads to an accident or damage, you’re not left covering costs out of pocket.

Public liability insurance kitchen fitter covers claims related to third-party injuries or property damage. If a customer trips over your tools or you accidentally damage their kitchen units during installation, this cover helps with legal fees and compensation costs.

At Suited

Our public liability insurance has £0 excess, meaning you won't have to contribute to a claim.

Other kitchen fitter business insurance covers

While public liability insurance is essential, there are additional covers that can help keep your business running smoothly. Whether it’s protecting your employees or your tools, these extra policies add an extra layer of security.

Kitchen fitter professional indemnity insurance

Mistakes in design or installation can be costly. Professional indemnity insurance covers claims if a client alleges that your work caused financial loss, structural issues, or required costly repairs.

Employers liability insurance

If you employ staff, subcontractors, or apprentices, employers' liability insurance is a legal requirement. It protects your business if an employee suffers an injury or illness due to their work, covering legal fees and compensation claims.

Tools insurance

Your tools are your business’s backbone. Tools insurance covers theft, loss, or accidental damage to essential equipment like drills, saws, and measuring tools, ensuring you can get back to work without costly delays.

Commercial legal expenses

Running a business comes with legal risks, from contract disputes to chasing unpaid invoices. Commercial legal expenses insurance helps cover legal fees so you can resolve disputes without financial strain.

In this section

FAQs

FAQs

Common questions

Do kitchen fitters need public liability insurance?

Yes. Public liability insurance kitchen fitter protects your business from claims related to third-party injuries or property damage caused by your work.

Does Suited kitchen fitter insurance cover subcontractors?

Those subcontractors working under your supervision and control are covered as long as you have declared under your Suited policy. Bonafide subcontractors that you use to deliver some parts of the project should have their own insurance.

Can I get insurance for kitchen fitters online?

Absolutely. Suited offers quick and easy online quotes, so you can get insurance for kitchen fitters in just a few minutes.

Is kitchen fitter insurance legally required?

While public liability insurance for kitchen fitters isn’t a legal requirement, many clients and contractors insist on it before hiring. If you employ staff, employers' liability insurance is legally required.

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