Plasterers Insurance
Specialist insurance for self-employed plasterers and plastering businesses, from £3.89 per month.*
- Join over 150,000 customers**
- Get a quote in under 60 seconds
- Public Liability for Plasterers
- Tool and equipment cover
- Employers’ Liability and more
From £3.89* a month
What does plasterers insurance cover?
Our insurance for plasterers offers the essential business cover you need to protect against potential claims, helping you operate securely and avoid financial losses. With public liability included, you also have the option to add extras like employers’ liability, tailored to the specific needs and size of your business. Whether you operate as a sole trader or run a larger business we can offer the cover you need.
Our policy is flexible to your needs. You can customise our Contractors All Risk cover to meet your specific requirements. Choose the level you need for contractors works, plant and tools you own and hire. If you select one or all of these extras, employee tools and personal effects will be included, up to £500.
Make sure you have the correct insurance for your trade and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Employers' Liability
Contractors Works
Plant & Tools
Financial Loss
Public Liability
- Up to £5 million available.
Protection against claims from third parties (e.g., a member of the public) who suffer injuries or have items of their property damaged due to your actions. This does not include third-party property that forms part of the working contract site.
Claims for damage to property that is part of the construction or worksite itself are excluded under public liability. For instance, if the contractor is working on a site owned by someone else and the property forms part of the construction project, such damage would not be covered by this insurance. However, this can be included by adding Contract Works cover.
Employers’ Liability
- Up to £10 million available.
- If any employee suffered physical injury or a fatality because of the employer’s negligence. If that staff member sought compensation, the insurer would handle the cost of the claim.
- If you employ any staff members, Employers’ Liability is a legal requirement.
Contractors Works
- Up to £250,000 worth of cover
- This cover can protect you against loss or damage to any permanent or temporary works you’re responsible for, including all the materials.
Plant & tools hired
- Up to £50,000 worth of cover.
- Covers you for loss of or damage to, hired tools and equipment, temporary buildings, caravans, or similar that you have hired in connection with any contract works being undertaken by you.
- Cover also includes your legal liability for hiring charges following damage to any hired property.
Plant & tools owned
- Up to £75,000 worth of cover.
- Covers your tools and equipment, temporary buildings, caravans, or similar that are owned by you and used in connection with any contract works being undertaken by you.
Employees tools & personal effects
- This covers tools and personal items owned by your employees while on any site, or those you’re responsible for under a joint working agreement.
- It’s not available as a standalone cover but comes with either Contract Works or Owned and Hired Plant & Tools cover, with protection up to £500.
Financial Loss
- Up to £5,000 per claim available.
- Protection from claims from other parties relating to financial losses not directly consequent upon bodily injury or damage.
- Cover for bona fide subcontractors, who should have their own insurance.
- Claims for financial losses relating to non or late delivery of products to third parties.
For information on exclusions in your cover please refer to policy documentation.
Why do you need plasterers cover?
Insurance for plasterers can offer essential protection from various risks and liabilities associated with your work. With the best of intentions, sometimes things go wrong and having suitable insurance can acts as a safeguard to your business assets, employees, and clients, with financial protection.
By investing in plasterers insurance, you can operate your businesses with confidence, knowing that you have the necessary protection in place if claims should occur. These examples highlight the importance of plasterers cover:
Protection from claims if a client suffers an injury.
Although low risk, accidents can happen and lead to claims from accidental injury to a client or damage to their property. This could be a client tripping over your equipment, or it could be spilling plastering material on a household item, such as a rug or carpet.
Either way, in the event of an accident like this, you are vulnerable to a substantial compensation claim, as well as other associated cost. Public liability insurance can cover you if you find yourself in this situation.
An employee or temporary worker suffers a workplace accident.
Plastering work brings several risks from materials and equipment and general hazards. As an employer, you are responsible for providing a safe workplace for and plasterers you hire.
If employees or temporary workers are involved on your projects, employers’ liability is a legal obligation with fines of £2500 per day for failing to comply.
Accidental damage caused to plant and tools you own or hire.
As a plasterer, you could be using your own plastering mixer on a large renovation project. Whilst mixing plaster, the machine is accidentally damaged preventing you working.
Without Plant and Tools insurance, you could have to pay for a replacement, delaying your work and impacting your earnings. With insurance in place, the costs of replacing your tools would be covered, allowing you to stay on schedule and avoid financial loss.
Our experts explain why...
“Plastering work brings distinct risks – from property damage concerns to equipment protection requirements. Our specialised trade insurance recognises these challenges and delivers comprehensive cover that extends well beyond basic liability. We protect against workplace injury claims, provide materials and equipment cover, and ensure your tools are safeguarded whether they’re owned or hired. This bespoke approach means plasterers can focus on delivering quality craftsmanship, confident that their business has the proper insurance foundation to manage the unforeseen.”
Chris Trotman, Protectivity Underwriting Manager
How much does plasterers insurance cost?
The cost of plasterers insurance can vary depending on several factors, for example, if you employ staff then your policy will need additional cover in employers’ liability, at a higher cost.
Investing in specialist plasterers insurance is not just about protecting you from financial losses. It’s a small price to pay to provide additional, professional credibility that you take your business operations seriously.
At Protectivity, Plasters Insurance starts from just £3.89* a month.
Prices from
£3.89* a month
Explainer quote
Policy cost
£4.16* a month
Policy type
Plasterers Insurance
Duration
Annual
Turnover
Up to £250,000
Public Liability
£1,000,000
This example is based on a real quote from our website on 1/10/2024. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your plasterers insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Can I insure multiple plasterers under the same policy?
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.
How much does plasterers’ insurance cost?
Costs vary based on factors such as business size, location, and level of coverage. Our plasterer’s insurance starts from just £4.16 per month.
What should I do if I need to work on a high-risk project?
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.
What happens if my tools are stolen from a job site?
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.
Does tools insurance cover hired equipment?
Our tools insurance includes coverage for both owned and hired equipment, helping avoid the cost of replacements if tools are stolen, lost, or damaged.
What types of insurance should I consider as a self-employed plasterer?
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.
Is public liability insurance legally required for plasterers?
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.
Why do I need plasterers’ insurance?
Plasterers face unique risks, such as accidentally causing damage to a client’s property or injuries to others while working. Our plasterer’s insurance provides financial protection, covering claims, legal fees, and costs arising from incidents that could otherwise harm the business.
Imagine you’re working on a ceiling renovation and some plaster accidentally falls onto the client’s expensive furniture below, or while carrying equipment into a property, you accidentally damage a client’s doorframe.
Another scenario might be if a client trips over your tools left in a walkway and injures themselves, or if your work causes unexpected water damage that spreads to neighbouring properties.
Even with years of experience, accidents can happen – perhaps a ladder slips while you’re working, causing injury to yourself and leaving you unable to work for several weeks. Insurance can provide crucial financial protection in these situations, covering everything from property damage and personal injury claims to loss of income if you’re unable to work.
For plasterers employing others, insurance becomes even more critical as you’ll need coverage for your workers and their activities too. Having comprehensive insurance not only protects your business but also demonstrates professionalism to your clients, giving them confidence in your services.
Discover more from Protectivity
This page content has been created for pre-purchase information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 13/06/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on sales data Jan’23 – Dec 23′
¹Based on live Feefo data