Carpet fitter insurance

Specialist carpet fitter insurance from £9 a month*

  • Fast, easy online quote in 90 seconds

  • Levels of cover to suit you

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Whether you’re fitting carpets in customers’ homes or in offices and other commercial buildings, this work comes with risks. From damaging clients’ property, to causing injury to yourself or others, to having your tools stolen, a lot can go wrong.

This is why it’s crucial that you have suitable carpet fitter insurance in place. Without the right protection, your finances could be devastated if the unexpected happens.

At Markel Direct, we believe that we offer superb value insurance tailored to meet your specific needs. This means you can protect your business without spending any more than you need to on your policy.

What is carpet fitters’ insurance?  

Carpet fitter insurance is a specialist policy that is designed to cover tradespeople who fit carpets in residential or commercial properties. It can include various types of protection, such as public liability insurance, employers’ liability cover and insurance for your tools.

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Do I need carpet fitter insurance?  

Running a carpet fitting business is challenging enough without having to deal with unexpected costs. What if you accidentally damage a skirting board, or a customer injures their feet on a section of exposed gripper? Could you cope with the expense of paying out compensation in cases like these? Or perhaps your tools are damaged in a fire or stolen from your premises. Without the right equipment, it’s impossible to fit carpets safely or adequately. You would need to foot the bill of repairing or replacing the affected items.

 If expenses like these would threaten your finances, you'll need to take out public liability cover and insurance for your tools. You should also be aware that some customers may want to see evidence that you have public liability cover in place before they will hire you for a job. And if you have employees, even if they are part-time or only working for you on a temporary or casual basis, you’ll need employers’ liability insurance. This is a legal requirement, and you could be fined up to £2,500 for every day that you lack this type of cover.

There may also be other forms of financial protection that you need for your business. This could range from legal expenses cover to personal accident insurance.

Why choose Markel Direct for carpet fitters’ insurance?  

At Markel Direct, we make it our business to keep your business protected from financial risks. Here are just some of the reasons to choose us for your carpet fitters’ insurance.

✔ No hidden fees
We believe our cover is excellent value for money, and we won’t surprise you with any hidden fees.  

✔ Get a quote in as little as 90 seconds
You don’t have to hang around to find out how much our policies cost. Complete our online form and we’ll give you a quote in as little as 90 seconds.  

✔ Legal advice around the clock
If you ever find yourself in need of legal guidance, our 24/7 legal advice helpline is there for you at any time of the day or night.  

✔ Impressive reviews
You don’t need to take our word for the quality of our policies and customer service. Check out our impressive ratings on Feefo.com.  

✔ An insurer you can trust
When you purchase a policy from us, you can rest assured you’re dealing with a trustworthy, reliable insurer. We’ve been providing protection for businesses like yours for more than two decades.

How much does carpet fitter insurance cost?

While our carpet fitter insurance policies start from £9 a month, the cost of your carpet fitters’ insurance will depend on factors such as the size of your business and the features of your policy. To find out exactly how much you can expect to pay, simply get a quote today.

*Price based on a carpet fitter requiring £1 million of public liability insurance cover.

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Cover starting from £9 a month

What insurance do carpet fitters need?

  • Public liability insurance

    Public liability insurance for carpet fitters protects you against claims made by customers and other members of the public who have suffered property damage or injury because of the actions of your business. Our public liability insurance is available with cover limits ranging from £1 million to £5 million.
     
    Example of a claim:
     
    As you’re moving a carpet through a customer’s house, you accidentally knock over an expensive ornament. The customer seeks compensation to replace the object.

  • Employers’ liability insurance

    Employers’ liability insurance is there to protect your business if an employee takes legal action
    Against you because they’ve suffered injury or illness due to their work. If you employ people, even if this is on a casual, part-time or temporary basis, the law demands that you have at least £5 million of cover in place. At Markel Direct, we offer employers’ liability insurance of up to £10 million.
     
    Example of a claim:
     
    One of your employees suffers damage to their knee while kneeling to fit a carpet. They sue you over their injury.

  • Tools insurance

    Tools insurance is designed to cover you if you have to replace or repair tools that are stolen, lost or damaged. Choose from cover limits ranging from £1,000 to £5,000.
     
    Example of a claim:
     
    You load your tools into your van after completing a carpet fitting job. You leave your vehicle unattended briefly. When you return, you discover it has been broken into and your equipment has been stolen. This leaves you facing the cost of replacing the missing items.

  • Legal expenses insurance

    Tradesmen legal expenses insurance covers the cost of defending or pursuing legal actions against other parties such as suppliers, clients or employees.

    Legal expenses insurance pays your legal costs and expenses 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.

  • Occupational personal accident insurance

    Occupational personal accident insurance supports your income if you can’t work because of an injury you’ve suffered as a result of your job. It provides weekly payments or a lump sum, depending on the injury you sustain.

  • Owned plant insurance

    If plant machinery you own is damaged or stolen, owned plant insurance can cover the costs of repairing or replacing it. Cover limits are available from £10,000 to £50,000.

  • Hired in plant insurance

    Hired in plant insurance cover the costs of repairing or replacing plant machinery that you've hired from a third party, if they are damaged or stolen. Cover limits are available from £10,000 to £50,000.

  • Contract works insurance

    Contract works insurance covers the work you and your employees are completing on a construction site. If your work is affected by a flood or fire, or by theft or malicious damage, contract works insurance can cover the costs of repairing or redoing the work.

  • Goods in transit insurance

    Goods in transit insurance covers you financially against the loss or damage of goods while in transit from one location to another. This can be either goods transported in your own vehicle, or on your behalf by a third-party carrier.

  • Professional indemnity insurance

    Professional indemnity insurance is designed to protect you if you offer professional services. It may benefit your carpet fitting business if you offer designs or advice to customers for a fee. It protects you if a client sues you for a mistake made in the services you have provided.

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Frequently asked questions

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Cover starting from £9 a month

Frequently asked questions

  • Why do I need carpet fitters’ public liability insurance?

    Although not required by law, public liability insurance is essential for many carpet fitters. In your job, you are in constant contact with members of the public and their property. No matter how careful you are, there is always a risk that you will cause injury to these people or damage their possessions. By making sure you have public liability insurance in place, you can prevent accidents from harming your business’ finances.
     
    Another reason to get public liability insurance is that some customers may insist you have this type of cover in place.

  • When should I get carpet fitters’ insurance?

    For your own peace of mind and to protect your business’ finances, we recommend taking out suitable insurance as soon as you start your business. Ideally, you should have protection in place before you undertake your first job for a customer.

  • How is Markel Direct regulated?

    Markel Direct is regulated by the Prudential Regulation Authority and Financial Conduct Authority. If you want to find out more, simply visit the Financial Services Register.

Access free legal services for your carpet fitting business when you arrange cover with Markel, including:

24 hour legal helpline 24/7 access to a legal advice helpline manned by qualified solicitors

Legal hub access Access legal templates and resources with the Markel Business Hub

 Receive discounted IR35 contract reviews with your policy

 Expert management of public relations crises with The Counsel House

Cover starting from £9 a month

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