Plasterers Insurance 

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.

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.

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.

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.

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.

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.

The insurer defines this cover as contractors’ plant, tools and equipment demountable and temporary buildings and/or caravans and/or other items of a like nature and materials and/or stores and/or any other property of whatsoever nature used or intended for use in connection with any contract works. There are conditions and exclusions you need to ensure you adhere with, please ensure you take a view of these before proceeding further.

Contract Works is designed to cover you for Damage and Loss to works whether permanent or temporary, to include materials used for which you are responsible for, being your property whilst you are undertaking works, not including tools, plant and equipment you own or that you have hired in for the works. We are unable to provide cover for materials and stock away from any contract site unless in transit and we cannot consider cover for contract works that exceed 24 months.

Yes, we can cover plant you own and plant you hire in. We have different sums insured that can be selected and the sums selected also have single article limits for plant you own and maximum hire charges for equipment you hire. Please also note that if you own or have hired a single piece of plant equipment that costs more than £10,000, when its not in use it is stored in a securely locked building of standard construction or is immobilised in accordance with the manufacturers recommendations.

This depends on your agreement with your subcontractors. Bona-fide subcontractors will have to have their own insurance cover and cannot be included on your insurance policy and in the numbers requested herein, you will be obligated to retain proof of their insurance. Labour-only subcontractors can be included on your policy of insurance, for work they provide under contract with yourself and your business only and should be included in the total numbers you provide in this application of insurance.

No, not for the majority of trades available to be selected, with the exception of some of the builders trades, landscapers trades and electricians, where there will be an endorsement added to your policy, allowing you to undertake work away from your premises, subject to you complying with a set of conditions outlined in the added endorsement titled ‘Hot Working and Use of Heat Equipment away from your Premises Condition Precedent.

Yes, you need public liability insurance to protect you against claims arising from accidental injury to a client or damage to their belongings.

Yes but this is subject to conditions and exclusions. For example we are unable to cover loss due to disappearance or shortage and theft from unattended vehicles unless the vehicle is stored in a garage, locked building or secure compound. Please make sure to read the conditions and exclusions in full.

This cover is meant for work in the United Kingdom, however it will allow cover abroad temporarily (max 25 days throughout your annual policy), for manual work in the EU and non-manual work anywhere in the world, in conjunction with your Business only.