What is insurance for plasterers?
Business insurance for plasterers is designed to protect you against the risks that come with the job. From accidental damage to third-party injuries, having the right cover ensures you’re not left footing the bill if something goes wrong. Whether you work solo or run a team, getting insured isn’t just smart—it’s often essential.
Do plasterers need insurance?
If you’re working in clients’ homes, on construction sites, or in commercial spaces, insurance isn’t just advisable—it’s often a requirement. Many clients, contractors, and suppliers won’t work with you unless you have the right plasterers liability insurance in place. Plus, if something unexpected happens, it’s good to know you’re protected.
Public liability insurance for plasterers
Public liability insurance for plasterers is your safety net. It covers claims from third parties for injury or property damage caused by your work. If a client trips over your tools or you accidentally damage a wall while plastering, this insurance helps cover legal fees and compensation costs—so you’re not left out of pocket.
Other plasterers liability insurance cover
Professional indemnity insurance
Mistakes happen—even to the best plasterers. Professional indemnity insurance covers claims arising from errors in your work, such as incorrect plastering that leads to structural issues or costly rework. If a client takes legal action, this cover can help with legal fees and compensation.
Employers liability insurance
If you have employees, apprentices, or even freelancers helping you out, employers liability insurance is a legal requirement. It covers claims if a worker is injured or falls ill due to their job, ensuring your business is protected from costly compensation claims.
What else to include with business insurance for plasterers?
Tools insurance
Your tools are essential for getting the job done—without them, work grinds to a halt. Tools insurance covers theft, loss, or accidental damage, helping you replace vital equipment quickly so you can keep working.
Plant insurance
If you use larger equipment like mixers, scaffolding, or other specialist machinery, plant insurance can help cover repair or replacement costs due to theft, loss, or damage.
Commercial legal expenses
Legal issues can arise unexpectedly, whether it’s a dispute with a client over unpaid invoices or a contract disagreement. Commercial legal expenses insurance helps cover legal fees, so you can focus on your work rather than courtroom drama.
