FAQ Category: Tilers insurance

Yes, provided they are owned by you and used in your business, they fall under Owned Tools cover. If left in a vehicle, you’ll need the “Tools of Trade” extension to be insured when locked in an unattended van.

No, the cost of redoing poor workmanship (like removing and replacing incorrectly installed tiles) is not covered under any section of this insurance.

Yes, accidental damage to third-party property (such as pipes or wires) can be covered under Public Liability, provided it’s genuinely accidental and not due to reckless or negligent work.

Yes, if they are considered part of your materials for a job and you hold Contract Works cover, they can be covered for loss or damage. However, theft is only covered when reasonable precautions are taken (e.g. stored securely).

No, delays due to errors in measurements or ordering are not covered. The policy excludes contractual penalties, loss of time, or late completion costs.

If your tiling work leads to structural damage due to a mistake in your workmanship, it is unlikely to be covered. Public Liability excludes damage to the specific property you’re working on. Contract Works cover may help protect materials and damage from certain causes during the project, but not defective workmanship.

Yes, both are covered under the “Owned Plant & Tools” section, up to the limit selected (up to £75,000). Tools must be used in connection with your business and securely stored when not in use.

If the tiles are part of the project you’re working on, Public Liability won’t cover accidental damage to those tiles, as they form part of the property being worked on. To protect materials you’re responsible for, you would need Contract Works cover.

No, damage resulting from faulty workmanship (like improper sealing or tiling) is generally excluded. While Public Liability covers accidental damage to third-party property, it won’t respond to poor workmanship or the cost to redo defective work.

Yes, both bathroom and kitchen tiling are covered under your policy, provided the work falls within your usual business activities and you’re not working on structures excluded in the policy (e.g. offshore sites, marine vessels, etc.).