Kitchen Installers and Contractors Liability Insurance

Kitchen and Bathroom Fitting Contractors Liability Insurance

 At Clarke Williams we recognise the complexities of running your own business and understand the challenges of finding the right cover which not only protects your assets and staff but also complies with industry contract requirements and regulation. From one man band kitchen fitters to contracting firms and kitchen and bathroom showrooms, Clarke Williams are here to help.

Although as a kitchen and bathroom fitting contractor you have to make sure you and your business are protected in case a claim arises as a result of injury to members of the public, damage to your client’s property and illness/injury of your labour force, it does not have to be complicated.

We are a specialist liability insurance broker who can quickly and painlessly provide you with terms from the leading insurers to enable you to make an informed decision on your insurance policy. We are here to discuss your requirements and provide a tailored quote which will ensure that your business has the correct cover at a competitive price.

 What Insurance does a Kitchen and Bathroom Fitting Contractors need?

Whether you are self-employed or have a team of employees working for you, it is essential you have adequate cover to protect your liabilities

Public and Products Liability Insurance covers you for bodily injury to third parties or property damage which arises in the course of your daily  activities,  for example damage to a client’s premises (most commonly escape of water) or neighbouring property whilst you are undertaking work. Nowadays, it is becoming more prevalent for Contractors to be asked to have enhanced limits for their Contractors Liability Insurance and at Clarke Williams can provide Public Liability limits from £1,000,000 to in excess of £10,000,000.

Employers’ Liability Insurance covers you for liability arising from employees who sustain an injury or illness during the course of their employment with you. It is a legal requirement for all employers within the UK to hold this cover and the minimum statutory limit is £5,000,000 however most insurers provide £10,000,000 as standard

You may need Employers’ Liability Insurance for someone who works for you if:

• You deduct national insurance and income tax from the money you pay them
• You have the right to control where and when they work and how they do it
• You supply their work materials and equipment
• Your contract states that you are responsible for their actions and supervision of such

Contract works insurance covers work in the course of construction before it is handed over to the principal or employer on practical completion. It can pay to repair or to redo the work that’s in progress if it’s damaged by an insured event like fire, flood, storm, vandalism or theft and includes both the permanent works (including unfixed materials) and temporary works anywhere in the UK.

Construction Professional Indemnity Insurance also known as Design and Construct Professional Indemnity, protects contractors and sub contracted specialists (such as kitchen and bathroom designers) for allegations relating to errors in their work or incorrect design.

We can also cater for Hired In Plant, Own Plant, Tools and Commercial Fleet Insurance.