How does insurance for kitchen fitters work?
Dedicated cover for your specific trade
Working in a professional trade as a kitchen fitter you will need a comprehensive and tailored fitters insurance policy to protect your business and trade in event of bodily injury or property damage caused to a third party. Working within a profession that often includes working with sharp or heavy equipment or supplies, means that there are risks which need to be managed. Let The Insurance Octopus manage these risks with a kitchen fitter’s business insurance package.
As a kitchen fitter you’ll make use of a broad range of skills in order to carry out the works required by your clients. You’ll fit new kitchen, perhaps produce kitchen layouts and designs – you’ll remove and dispose of old units and measure and cut worktops, recesses and joints amongst a whole host of other things. Our comprehensive and affordable business insurance policies are designed to be flexible, allowing you to tailor your kitchen fitters insurance so that it’s exactly how you want it, ensuring you have all of the essential cover you need in one business insurance policy.
What your kitchen fitter’s insurance policy includes
Public Liability cover
Public Liability insurance covers your business if someone gets hurt or property is damaged in the course of your business. Standard levels of cover are £1, £2m, or £5m and higher levels are available upon request subject to insurer’s terms and conditions. Public Liability will protect you should there be a legal case for injury or damage.
Employers Liability insurance
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. As an employer, you do have a legal responsibility to ensure that you have provided a safe and secure workplace for employees and visitors. An Insurance Octopus standard Employers Liability insurance policy is £10m cover.
Tools and business equipment cover
Tools cover helps you to protect your fitter tools. Tools are expensive investments that need to be safeguarded should they ever be stolen or damaged. Replacing or repairing your trade equipment can be costly, so you do need to be covered for all eventualities. Tool insurance can provide comprehensive cover so that you can replace any damaged, lost or stolen items and keep your business running.
Personal Accident cover
Personal Accident cover will pay you or a member of your staff a weekly amount or lump sum should you or they be injured during the course of employment. The level of payment made will be dependent on the disablement or injury.
Why you need kitchen fitters insurance
Your business insurance policy from The Insurance Octopus will include fundamental elements of insurance that a tradesman or contractor could need whilst working including liabilities and full tool and equipment cover.
You can also add additional covers and we will endeavour to help you tailor your kitchen fitters insurance package to the needs of your business, ensuring you’ve got cover in place should anything go wrong.
Specialists in commercial insurance
Our commercial insurance specialists will discuss the insurance requirements of your kitchen fitting business with you and look to compare quotes from our panel of niche and leading insurers, ensuring that you get a bespoke policy; only paying for the cover your business needs.
Spread the cost of your insurance
Your trade specific cover can easily be arranged and we can look to provide you with your business insurance and documents on the same day in most cases (subject to time of day restrictions). We can also offer you a range of flexible payment options, including Direct Debit to help spread the cost of cover.
Why choose The Insurance Octopus for Kitchen 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.
Kitchen fitters insurance claims example
Examples of Kitchen Fitters Insurance in action
Faulty Fridge causes £40,000 Catastrophe
A kitchen fitter installs a new high-end kitchen in a customer's home. The new kitchen includes a smart fridge-freezer that is plumbed in to vend cold water. Unfortunately, a fault in the manufacture of the fridge causes water to leak inside, and the electrics fail and cause a freak fire which destroys the entire kitchen. Thankfully, no one is harmed, but since the fridge caused the fire, the kitchen installers are liable. The £40,000 bill is covered by their product liability insurance, and the kitchen is replaced.