How does insurance for plasterers work?
All the cover you need for your trade, in one policy
As a professional plasterer, the last thing you want to worry about the possible loss, damage or theft of your tools and equipment, or expensive claims as a result of an employee or member of the public being injured or killed due to your work. You of course work primarily with plaster, layering it onto interior walls and partitions as well as plastering decorative mouldings on ceilings. Mistakes and accidents in your trade can be costly with the work you do exposing you to a number of risks and perils to yourself, your employees and other third parties. With all this in mind you’ll understand you need to have the right insurance to cover you should something go wrong. Help to manage these risks and keep your business safe with a tailored business insurance package from The Insurance Octopus, ensuring you have all the essential cover you need in one business insurance policy.
What your plasterers 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 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. 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.
Plant and Tools cover
Plant and Tools cover will protect your tools of your trade whilst working on site, like a construction or building site.
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.
Why you need plasterers insurance
Your business insurance policy from The Insurance Octopus will include fundamental elements of insurance that would be required by someone working in the plastering trade. With cover designed to protect you from third party bodily injury claims, third party property damage claims, a range of employment disputes, cover for your tools and business equipment and much more. Speak to our insurance specialists to discuss the full range of covers and options available.
Business insurance brokers
We have a team of specialists on hand to help 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.
Quotes from various insurers
We work with a panel of UK insurers to cover you for sector specific situations as required. We can often provide you with your business insurance and documents on the same day in most cases (subject to time of day restrictions), offering a range of flexible payment options, including Direct Debit.
Why choose The Insurance Octopus for Plasterer 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.
An expert who knows your industry
We'll connect you with an agent who is an expert 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.
Plasterers insurance claims example
Examples of Plasterers Insurance in action
Costly Clumsiness Causes Liability Claim
A plasterer finishes applying plaster to a large wall in a customer’s living room. After the last bit is applied, he descends the ladder and takes a few steps backwards to examine his work. Unfortunately, the canvas on the floor is rucked up, and he trips and falls, knocking an antique vase off a shelf to smash on the ground. The customer sues for the £2,000 value of the vase, and the plasterer’s public liability insurance is called upon to foot the bill.