Why you need Carpet and Floor Fitting Insurance cover

When you are a carpenter, there is always something that needs doing when you work with your hands, whether its sheeting walls and hanging doors, installing ceiling grids and fixing fittings, or any number of other tasks.

You use your tools to work with your hands and create things, but you also pay attention to detail. Even if you are skilled, your job is not without risk. Accidents can occur to anyone, no matter how careful they are. If you are injured while using something you’ve fitted in a client’s home that subsequently falls off and injures them, you will be responsible for paying for those damages, as you don’t have tradesman insurance.

No matter how experienced a Carpenter you are accidents can happen. That’s why the panel of expert Carpet and Floor Fitting Insurance providers can get the right cover for you

Cover available includes:

  • Tools and equipment insurance
  • Public liability insurance
  • Plant and Machinery
  • Personal accident insurance
  • Business equipment
  • Employers' liability insurance
  • Contract works insurance
  • Business buildings and contents insurance
  • Legal expenses

Types of Carpet and Floor Fitting Insurance available

  • Personal accident cover - If you were injured whilst on the job then any medical expenses would be covered as well as your personal income until you were able to get back to work.
  • Public liability - Liability claims are always a risk when working with the public so getting a good amount of public liability cover included in your policy is a must. You can choose exactly how much cover to get depending on the size of your business.
  • Employers' liability - If you have any employees at all, even if they're part-time, then you need to have employers' liability cover included in your policy.
  • Tools - You can also get cover for your tools, whether they're on-site or in your van. Sometimes insurers will insist that the van is parked in a compound or secure garage overnight so be sure to find out the details of the cover you can get.
  • Business equipment - The businesses equipment used by tradesman is often very expensive so it's a good idea to get cover for defective and damaged equipment.
  • Legal expenses - In addition to getting cover for liability claims, you can also get cover for legal expenses includes in a tradesman policy.

Saving money on Carpet and Floor Fitting Insurance cover

  • Make your premises secure - If you have a premises that you work from then you'll certainly want to take any steps you can to make it as secure as possible. The same thing applies to your van if you have cover for your tools while they're stored in it.
  • Pay upfront - If you can afford to pay for your policy on a yearly rather than monthly basis then the majority of insurance providers will give you a considerable discount for doing this. You will of course pay more upfront but it will reduce the overall cost of the policy.
  • Shop around - You should always make sure you get a lot of quotes when looking for a tradesman insurance policy. You might be able to get a better deal elsewhere that you're not aware of if you simply take out the first policy you're offered.
  • Increase excess - If you had to make a claim on your policy then the excess is the amount you would pay towards it. By increasing the excess on your policy you can reduce your monthly payments. Of course it's a little bit of a risky way to cut down costs since you'd have to pay extra when making a claim.

Carpet and Floor Fitting Insurance FAQ

What is public liability insurance?

Public liability insurance is one of the two main types of liability cover business owners can take out, the other being employers’ liability insurance. It is a type of cover that will protect your business from compensation claims from customers/members of the public. Liability claims are not uncommon theses days so it’s vital that you get protection for your business.

What is employers liability Insurance?

Employers’ liability insurance is a type of cover for businesses that protects you from liability claims that come from your employees, whether they’re part-time or full-time.

Do I need employers liability insurance?

The simple way to answer this question is – if you have employees, of any kind, then yes you need it. It doesn’t matter what type of business you run, if you employ staff then there’s always the risk that you could end up facing a liability claim. You’re also obligated by law to have employers’ liability insurance in place when you have staff.

Get Carpet and Floor Fitting Insurance quotes

Since getting quotes is one of the best ways to save money on Carpet and Floor Fitting Insurance it makes sense to do it in the easiest way possible. By clicking the green button below you can get tailored tradesman insurance quotes for your business in a matter of minutes.