Plasterers Insurance 

If your work accidentally causes damage to a neighbouring property, such as cracks from vibrations or spills over shared boundaries, this can be covered under Public Liability. You must be able to demonstrate that it was a genuine accident and not due to poor planning or unsafe practices.

Yes, materials stored at a customer’s premises are covered under Contract Works, provided they are reasonably secured. Theft or damage from unsecured areas or vehicles may not be covered unless proper precautions are followed.

No, damage or loss due to the use of faulty materials is excluded under the policy. Insurers won’t cover rework or claims related to product failure, poor workmanship, or incorrect mixing ratios.

Yes, accidental damage to a customer’s property — such as stained furnishings or floors — can be covered under Public Liability, provided the damage is sudden and not due to poor site protection or negligence.

Yes, if you own the equipment and have taken out Owned Plant & Tools cover (up to £75,000). Hired machines would be protected under Hired Plant & Tools (up to £50,000). Equipment must be stored securely when not in use, especially if left in vehicles.

Damage from weather (e.g. rain or frost) to unfinished work may be covered under the Contract Works section, up to £250,000, provided you’ve taken reasonable precautions to protect the site. Gradual weather-related deterioration or damage due to negligence may not be covered.

Yes, specialist techniques are covered, as long as they are included in your declared activities. For high-value or delicate finishes, you may wish to ensure your Contract Works cover is sufficient to reflect the value of the work and materials involved.

Damage to existing plasterwork may be covered under Public Liability if it occurs accidentally and the surface is not considered part of the property you’re contracted to renovate. However, if the damage is to an area you’re actively working on, you would need Contract Works cover.

Yes, both internal and external plastering work is covered, provided it forms part of your declared business activities and does not breach any policy limits or exclusions (e.g., working at extreme heights or in restricted areas like tunnels without prior agreement).

We offer several insurance types for plasterers, including public liability, employers’ liability (if you have employees), contract works insurance for materials and ongoing projects, and tools and equipment insurance to cover against theft, loss, or damage to essential tools.

Our plasterer insurance policy can often extend to cover multiple workers, but each individual’s role must be disclosed. Additional coverage may be needed based on the number of workers and their specific job responsibilities.

For high-risk projects, like those involving hazardous materials, additional coverage or policy modifications might be required. It’s best to contact us to confirm if existing policies can be tailored to cover these activities.

If your tools have been stolen and you’re unable to carry out your work, our tools insurance covers theft as long as it is reported promptly to the authorities and to us. Having a police report can help with processing such claims effectively.

Our tools insurance includes coverage for both owned and hired equipment, helping avoid the cost of replacements if tools are stolen, lost, or damaged.

Public liability insurance is not legally mandated but is strongly recommended. It protects you against claims for accidental injury or property damage to third parties, helping you meet the expectations of many clients who may require proof of coverage before work begins.