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You wouldn’t consider starting a plastering job without the right equipment. Arranging the appropriate level of plasterers’ insurance cover for your business is no different.
Whether you work on small domestic projects or large-scale commercial jobs, you may need to consider getting the right financial protection in place. From accidents and injuries to the damage or theft of equipment and materials, you face a variety of risks.
At Markel Direct, we offer business insurance for plasterers from £8 a month*, which can act as a safety net in case a potential claim arises.
Cover at a glance:
- Protect your business and professional reputation
- Public liability cover up to £5m
- Protection for accidental damage and injury claims
What is plasterers’ insurance?
Plasterers insurance is an umbrella term that describes a package of cover designed to protect businesses like yours. It can include everything from public and employers’ liability cover, plastering contractors insurance, through to professional indemnity insurance and protection for your tools.
Cover starting from
£8 a month*
*Price based on a plasterer requiring £1 million public liability insurance cover.
Do I need plasterers’ insurance?
One of the best things about being a plasterer is the fact that no two jobs are exactly the same, and every day brings new opportunities and challenges. But with this variety comes a wide range of risk that could affect your finances. What if a member of the public trips over your tools and injures themselves, or you accidentally damage a customer’s property?
You should ask yourself if you could afford to cover the legal fees and compensation costs you may face in cases like these. Or perhaps your tools are stolen or damaged, leaving you with the cost of repairing or replacing them. Could you pay for these expenses out of your own pocket?
If situations like these would put you under financial strain, you’ll need suitable insurance to mitigate the risk. Also, bear in mind that some prospective customers might insist you have public liability insurance for plasterers in place before they will hire you for a job. And if you have any employees, you’re required by law to have a minimum of £5 million of employers’ liability cover in place.
Having the right package of insurance for plasterers in place could help you to safeguard the future of your business and is a worthwhile consideration.
Why choose Markel Direct for plasterers’ insurance?
At Markel Direct, we offer tailored plasterers’ insurance policies that could be ideal for your business. Here are just some of the reasons to choose us.
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
What insurance do plasterers need?
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Employers’ liability insurance
Employers’ liability insurance protects you if an employee is injured or made ill by the work they do for you. You’re required by law to have a minimum of £5 million of employers’ liability cover in place if you have employees, even if they are part-time or temporary. At Markel Direct, we provide up to £10 million in employers’ liability cover.
Example of a claim:
One of your workers is on a ladder plastering a ceiling. They lose their balance and fall to the floor, suffering a broken arm and other injuries. They sue you for compensation. -
Tools insurance
Tools insurance covers the cost of having to replace or repair tools that are stolen, lost or damaged. At Markel Direct, we offer cover limits ranging from £1,000 to £5,000.
Example of a claim:
There is a fire at a building site you are working on, causing severe damage to some of your most important tools. You must replace these items in order to be able to continue working.
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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.
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.
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Occupational personal accident insurance
Occupational personal accident insurance provides support for your income if you can’t work because of an injury you suffer while doing your job, or while on your way to or from work. It provides either weekly payments or a lump sum, depending on the nature of your injuries.
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Owned plant insurance
If you own plant machinery that is damaged or stolen, owned plant insurance will cover the costs of repairing or replacing the equipment. Cover limits are available from £10,000 to £50,000.
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Hired plant insurance
Hired in plant insurance will cover you if plant machinery you have hired is damaged or stolen, while in your possession. Cover limits range from £10,000 to £50,000.
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Contract works insurance
Contract works insurance covers the work you do on a construction site. If your work is affected by a flood, fire, theft or malicious damage, contract works insurance can protect you financially.
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Goods in transit insurance
Goods in transit insurance covers goods against loss or damage while in transit. This can be either goods transported in your own vehicle, or on your behalf by a third-party carrier.
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Professional indemnity insurance
Professional indemnity insurance protects you if a client alleges that you have made a mistake in a service you have provided to them. This cover may be important for your business if you offer professional services for a fee, for example if you provide advice or designs.
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Public liability insurance
Public liability insurance for plasterers protects you from claims made by members of the public who have suffered an injury or property damage because of the actions of your business. This goes for public liability insurance for self-employed plasterers too. We offer this type of plasterers liability insurance with cover limits ranging from £1 million to £5 million.
Example of a claim:
You’re plastering a customer’s kitchen ceiling and accidentally scratch newly fitted tiles with your finishing trowel. The customer seeks compensation to repair the damage.
How it works
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How much does plasterers’ insurance cost?
At Markel Direct, we offer plasterers’ insurance from £8 a month for £1 million worth of public liability cover. When it comes to business insurance for plasterers’, the cost varies from business to business depending on;
- The size of your business - your turnover and whether you have any employees
- The level of cover you choose
- The types of projects you work on and the equipment you use.
To find out how much your cover may cost, simply get a quote today.
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Our simple quote process will help you to find the right business insurance for your individual needs.
Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
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What is business insurance for plasterers?
Business insurance for plasterers covers a wide range of cover types, such as public liability insurance, professional indemnity insurance to tools insurance.
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Is public liability insurance required by law?
As a plasterer, you are not legally required to take out public liability insurance. However, you could face a compensation claim if a member of the public is injured or suffers damage to their property because of your actions. The resultant costs could be considerable, so it pays to have public liability insurance in place.
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What insurance does a self-employed plasterer need?
If you’re a self-employed plasterer, you can’t rely on an employer to take care of your insurance on your behalf; you must do this yourself. There are various types of cover you might need. For example, this could include public liability insurance, employers’ liability cover, property damage insurance and professional indemnity protection.
If you’re unsure which types of protection you need, don’t hesitate to contact our team today. Call us now on 0800 640 6600 (Mon-Fri 08.30-17.30).
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When should I get plasterers’ insurance?
We recommend getting plasterers’ insurance as soon as possible - and ideally before you start your first plastering job for a customer. You never know when disaster may strike, so it makes sense to be financially prepared from the outset. Certain customers will demand to see proof of insurance before work commences, so it’s a worthwhile consideration ensuring you have the correct level of plasterer insurance cover in place.
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How is Markel Direct regulated?
Markel Direct is a trading name of Markel International Insurance Company Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. You can visit the Financial Services Register to find out more.
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