Bathroom fitter insurance

Public liability insurance for bathroom installers is designed to protect you against claims made by members of the public who have suffered an injury or damage to their property because of your business. We provide public liability insurance with cover limits ranging from £1 million to £5 million.
 
Example of a claim:
 
While installing a new radiator as part of a bathroom refit, you accidentally damage a pipe. This pipe springs a leak, causing significant water damage to the customer’s property. They seek compensation to repair the damage.

Employers’ liability insurance covers your legal fees and damages you may owe if an employee is injured or made ill by the work they do for you. If you have people working for you, even if they do so on a temporary or part-time basis, you’re required by law to have a minimum of £5 million of this financial protection in place. At Markel Direct, we provide cover of up to £10 million.
 
Example of a claim:

One of your workers injures their back while carrying supplies. They sue you for compensation for their suffering.

Tools insurance is there to protect you if you have to repair or replace tools that are lost, stolen or damaged. At Markel Direct, we offer cover limits of between £1,000 and £5,000.
 
Example of a claim:
 
The garage where you keep your tools is targeted by thieves, who steal a number of expensive pieces of equipment. You face significant costs to replace the stolen items. 

Legal expenses insurance can help to cover the cost of defending or pursuing legal actions against other parties such as suppliers, clients or employees. This could be for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. There is a limit of £100,000.

Example of a claim:

A supplier has failed to deliver building materials you’ve paid for and is ignoring your requests for a refund. You face the costs associated with recovering the debt owed to you.

Occupational personal accident insurance supports your income if you’re unable to work due to an injury you’ve suffered at work or while travelling to or from work. It can provide weekly payments or a lump sum, depending on the nature of your injuries.

Owned plant insurance will cover the costs of repairing or replacing plant machinery you own if it's damaged or stolen. Cover limits are available from £10,000 to £50,000.

If you hire in plant machinery from a leasing company, like concrete mixers or forklifts, hired in plant insurance will cover you if the machinery is damaged or stolen. Cover limits range from £10,000 to £50,000.

Contract works insurance can cover the work you complete on a construction site. For example, if your work is affected by a flood, fire, theft or malicious damage, contract works insurance can protect you financially.

Goods in transit insurance covers goods against loss or damage while travelling. This covers both goods transported in your own vehicle, or on your behalf by a third-party carrier.

If you offer designs or advice for a fee as a bathroom installer, you might want to take out professional indemnity insurance. This is designed to cover you if a client accuses you of making a mistake in a professional service you have provided.