FAQ Category: Kitchen fitter insurance

Only in limited cases. If the fault results in third-party injury or property damage, Public Liability might cover the resulting damage — but not the cost to fix or replace the faulty connection itself. If the failure is purely a result of defective work, it is excluded.

Yes, accidental damage to surrounding property (e.g. scratched flooring, marked walls) during fitting is typically covered under Public Liability, provided it’s not due to negligence or poor practice.

Yes, if you have Contract Works cover, units, appliances, and materials you’re responsible for are protected while stored at the site, provided they are stored securely. Theft from unsecured areas or vehicles may not be covered.

No, your policy excludes cover for delays, rework, or financial losses due to measurement errors, mis-orders, or product faults. These are considered part of your professional risk and must be managed contractually.

If your installation accidentally causes water damage (e.g. from a pipe you connected), this could be covered under Public Liability. However, any faulty workmanship or incorrect installation is not covered — only the resulting damage may be insured, not the faulty work itself.

Yes, tools like jigs, routers, and hinge borers are covered if you opt for the add-on Owned Plant & Tools policy. If they are stored in a locked, unattended vehicle, you’ll need the Tools of Trade extension to ensure theft and damage cover applies.

Yes, but only under Contract Works if the appliance is part of the project and the damage occurs before handover. Once installed and handed over, any damage or malfunction would be excluded unless resulting in third-party injury or damage (which may be covered under Public Liability).

Only if you are Gas Safe registered and this work is part of your declared activities. Unregistered gas work is excluded from cover and also a legal offence. Always ensure your qualifications and declarations are accurate and up to date.

Public Liability does not cover materials you’re actively working on. However, if you have Contract Works cover, it can protect worktops, units, and materials under your care against accidental damage or loss during installation, up to your chosen limit.

Yes, your policy covers kitchen fitting work at all levels — from budget installations to premium, bespoke kitchens — as long as the activity is within your declared trade and the contract value doesn’t exceed the policy limit (e.g. £2 million). For high-value items, ensure your add-on cover for Contract Works or Plant & Tools, reflects their cost.