Cavity Wall Insulation Installer Insurance

Specialist insurance for cavity wall insulation installers from £10 a month*.

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  • Levels of cover to suit you

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As a cavity wall insulation installer, you play an important role in making sure your customers’ properties are properly insulated, whether it’s someone’s home or a commercial building.

You may not consider your work to be particularly risky, but the truth is, accidents can happen at any time. That’s why it can be a good idea to purchase cavity wall insulation installer insurance.

With over 25 years’ worth of experience, we are perfectly placed to find the ideal insurance cover for your business. You can trust us to provide a policy that will offer financial protection for you, even in times of trouble.

What is cavity wall installer insurance?

In short, cavity wall insulation insurance is designed to provide financial protection for you and your business. At Markel, we can help you find a policy that ticks all the right boxes when it comes to ensuring you’re suitably covered should the worst happen.

We can create a bespoke insurance policy for you that meets all of your business' requirements. In turn, you’ll have added peace of mind that you’ll remain financially comfortable even if something goes wrong.

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Do I need cavity wall installer insurance?

Even if you’re extremely skilled at what you do as a cavity wall installer, and you have years of experience, you never know what might happen next. The smallest mistake could end up costing you big. That’s why it’s a good idea to have suitable cover in place.

For instance, imagine you are carrying out a cavity installation at a customer’s home. As part of the job, you need to drill holes in the walls. However, you accidentally drill through a pipe in the process which causes significant water damage. The customer then takes action against you, making a claim for property damage and in turn, expects you to pay the cost of compensation and legal fees. With insurance in place, you needn’t worry about having to pay for these costs out of your own pocket. Instead, you can trust that your policy will cover this, saving you from financial fallout and allowing you to continue business as normal.

You can also choose to have employers’ liability insurance included in your policy. This is a must if you have anyone working on behalf of your cavity wall installation company. In fact, employers’ liability cover is a legal requirement, and you must have a policy with a minimum value of £5 million. This type of insurance provides financial cover if one of your employees decide to make a claim against your business if they become unwell or injured while carrying out their job.

When it comes to finding reliable cavity wall insulation installer insurance that offers the correct level of cover you need, Markel is here for you.

Why choose Markel for cavity wall installer insurance?

At Markel, we understand just how important your business is to you. That’s why we offer comprehensive cover for when things go wrong. Here are just some of the reasons you should choose us when it comes to finding suitable insurance.

✔ No hidden fees

With policies starting from £10 a month*, you only pay what you are quoted for, meaning there are no hidden fees.

✔ Expert help 24/7

No matter the day or time, our experts are on hand to help at all times. You can contact our legal helpline whenever you need it.

✔ Rated highly by our customers

We put our customers at the centre of what we do. As a result, we are highly rated on Feefo.com.

✔ You can trust us

Our wealth of experience as an insurance provider means you can trust us. We can help you find policies that provide your business with the right level of cover to ensure you’re financially protected regardless of what happens.

✔ Get a quote

Complete our online form to get a quote in less than two minutes. It’s that easy.

*Example premium is based on a cavity wall insulation installer requiring £1 million of public liability cover, with no claims history and meeting all underwriting criteria.

How much does cavity wall installer insurance cost?

At Markel, we appreciate that when it comes to insurance, a one-size-fits-all approach just won’t cut it. After all, your business is unique, and your insurance needs will be too. How much your cavity wall installer insurance will cost will depend on a variety of factors, such as the size of your business, the type of equipment and material you use, and if you work alone or if you have any employees.

Our policies start from £10 a month and we can tailor your cover to ensure it meets both your insurance needs and budget.

*Price based on a cavity wall installer requiring £1 million of public liability insurance.

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Cover starting from £10 a month

What insurance do cavity wall installers need?

  • Public liability insurance

    Public liability insurance covers you for claims made against your cavity wall insulation installation company by members of the public who may experience an injury or damage to their property because of your business, including your customers. We offer public liability insurance from £1 million to £5 million.

    Example of a claim:

    While installing insulation at a commercial property, you accidentally scratch a parked car as you walk from your van to the building while carrying your foam gun. The owner of the vehicle takes legal action, making a claim against your business for property damage and expects you to pay for the repair of the damage caused. 

  • Employers’ liability insurance

    If you have employees working on behalf of your cavity wall insulation company, by law, you need to have employers’ liability insurance in place with a value of £5 million as a minimum. This protects your business if one of your employees sustains an injury or becomes unwell while carrying out their job.

    Example of a claim:

    An employee slips and falls while working from a height when the rung of the ladder they are standing on becomes loose. They sustain severe injuries, meaning they are unable to work while they recover from the incident. Your employee processes a claim against you for their injuries and loss of earnings due to not being able to continue working.

  • Tool insurance

    Tools insurance offers financial cover in the event you need to replace your equipment. You will be covered if a flood, fire or theft means your tools go missing or become damaged. We offer portable equipment insurance from £1,000 to £5,000 per person.

    Example of a claim:

    The building where you securely store your expensive tools is broken into. You use your tools insurance to claim for the replacement cost of your missing equipment.

  • Legal expenses insurance

    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.

  • Occupational personal accident insurance

    If you are unable to work as a result of an injury you have sustained from carrying out your job, or while you are travelling to or from work, occupational personal accident insurance has you covered. Depending on your injuries, you may receive a single lump sum or weekly payments.

  • Owned plant insurance

    Cover the equipment and machinery you use as part of your cavity wall insulation business with owned plant insurance. This provides financial protection should anything be stolen or becomes damaged with cover ranging from £10,000 to £50,000.

  • Hired in plant insurance

    If you rent equipment from a hire company but it goes missing due to theft or it becomes damaged, hired in plant insurance will cover you. Our policies range in value between £10,000 and £50,000.

  • Contract works insurance

    Should you need to revise any of the cavity wall insulation work you’ve carried out due to an event such as fire, flood, theft or malicious damages, contract works insurance can cover the costs involved.

  • Goods in transit insurance

    To be protected in the event your materials are lost or damaged while being transported from one location to another, goods in transit insurance is a must. This type of policy covers goods that are being moved by a courier or even in your own work vehicle.

  • Professional indemnity insurance

    If you provide designs or advice as part of your business model, it’s a good idea to have professional indemnity insurance in place. This type of insurance handles any compensation costs or legal fees that may come your way if a client takes legal action against you for an error in the services you have provided.

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Frequently asked questions

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Cover starting from £10 a month

Frequently asked questions

Access free legal services for your cavity wall insulation 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 £10 a month

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