Business Insurance for Self-Employed Plasterers
As a plasterer, you pride yourself on top-quality work and safe working conditions, but there are still risks you need to consider.
Plasterers’ business insurance can protect your business in the event of mishaps. So it's important to consider insurance to suit your needs.
Accidents can be costly, whether to yourself, staff or the public. Business insurance for plasterers including public liability cover can help protect your business in the case of injury to members of the public due to your work. Your plasterer's insurance package can also secure your tools and equipment against loss or damage.
As a sole trader or small business owner, keeping your business running is important. Including tools cover in your business insurance package can help cover the cost of replacements if your tools are lost or stolen.
For planning and stability it's vital to identify when a job is completely finished. By taking out contract works insurance, you can limit problems caused by future events that fall outside your control.
If you employ others, you're usually legally required to have employers’ liability insurance to cover on-the-job accidents or illness. You can include this in a customised business insurance package for plasterers.
Risks that Plasterers Face
Do I need plasterers’ insurance?
As a plasterer, you face a range of risks in your everyday work, like injuries to clients and members of the public, or damaging clients’ property.
While you can't entirely remove these risks, you can help secure your business with insurance. A customised insurance package can help keep your business running in the event things go wrong.
Plasterers public liability cover can help cover compensation claims. And if you have employees, employer's liability insurance is usually a legal requirement.
What is covered under a plasterers’ public liability insurance package?
You can customise your public liability package to suit your business needs.
Public liability is the core cover of your package, and helps cover legal or compensation costs if third parties sustain injury caused by your work, your equipment or on your premises; or if their property is damaged due to your business activities.
Employer's liability insurance provides similar cover for employees.
You can also consider a range of specific covers for business contents, tools, plant or contract works so that you can help keep your business running.
What is not covered under plasterers’ insurance?
Usually, damage caused to your tools and plant due to normal wear and tear won’t be covered. Some insurers may also have certain limits for the amount of cover they’ll provide for a single item.
How much is a public liability insurance package for plasterers?
The cost of your insurance will vary based on a number of factors. This includes the number of covers you choose, and the amount of cover. Your premium can also vary depending on where your business is located, and how much experience you have.
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