What is carpet fitters insurance?
Dedicated insurance protection for a range of trades people
Tailored and comprehensive carpet fitters insurance will help you protect your business, providing the financial protection you could need against possible risks that could damage your business profits.
As a professional carpet fitter you’ll work directly with the general public, having access to private homes and businesses. In the chance that something were to happen to your customer or their belongings as a direct result of your business operations, it’s important to be able to cover the costs involved with a claim and protect your business financially.
At The Insurance Octopus, our carpet fitters insurance policies are designed to be flexible, ensuring that you’ll be able to tailor your insurance to exactly how you need it. You’ll get all of the essential cover you need in one simple business insurance policy.
Whats covered with carpet fitters insurance?
Public Liability insurance for carpet fitters
Public Liability insurance cover is available as standard from £1 to £5m, higher limits are available upon request. Should one of your customers or a member of the public be hurt, or their property become damaged as a result of your negligence, public liability insurance for tradesman and contractors will protect you.
Employers Liability cover
Employers Liability insurance is a legal requirement if you employ anyone or pay sub contractors to complete works on your behalf with your tools and equipment. An Insurance Octopus standard Employers Liability insurance policy is £10m cover.
Personal Accident insurance
Personal Accident cover will pay your business a weekly sum if you or insured employees are unable to work after an accident. This cover can be used as an employee benefit.
Contract Works or Contractors All Risks cover
Contract Works or Contractors All Risks cover will insure your construction works plus materials, should they be damaged or the materials stolen prior to completion. The policy will also cover the additional labour costs to rebuild the work previously completed along with cover for your own or hired plant. An example of this would be if you are completing an extension and it is damaged or destroyed by fire, you would have to complete the work again. Contract Works cover will provide the protection you need in this instance, and is available as a single one off policy or as a yearly policy.
Cover for your Plant and Tools
Plant and Tools cover will protect the tools of your trade whilst working on site.
Plus optional extras if needed:
In addition to our standard carpet fitters insurance package, as a specialist in a particular field you may need to amend your policy to be specific to your business. Get in touch today to discuss your package.
Why you need Carpet Fitters Insurance
Your carpet fitters insurance policy from The Insurance Octopus will include a range of core and optional covers that could be required by yourself and other carpet fitters. The work you do leaves you at risk of potential claims arising from instances such as third party injury claims, employment disputes and theft of tools and equipment and much more. With the right cover in place you and your business can get the peace of mind you deserve.
Protection for items being worked on
Contract works for carpet fitters is often an important cover and worth considering as you decide on the covers you need. The insurance is designed to cover work that’s already underway, meaning if a carpet is damaged it can pay to repair or redo the work that’s in progress if it’s damaged by an insured risk such as theft, vandalism, fire & flood.
Compare insurance quotes online
Get a quote online or speak to one of our Tradesman Insurance Specialists to discuss your business requirements with you and look to compare quotes from major UK insurance providers, ensuring that you get a bespoke policy where you only pay for the cover you need.
Why choose The Insurance Octopus for Carpet Fitters Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen - with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A specialist who knows your industry
We'll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
How insurance for carpet fitters works
Examples of Carpet Fitters Insurance in action
A £1,000 Carpet Mistake
A carpet fitter was installing a luxury carpet in a client's home. The carpet had been pre-prepared but needed to have some final adjustments made during installation to fit around piping and other fixtures. Unfortunately, when cutting a section the fitter badly damaged the flooring below, meaning a new section of flooring was needed at a an extra cost of £1,000. Fortunately, the carpet fitter had products liability insurance, which covered the additional cost and enabled the tradesman to complete the job without a personal loss of money.