Why Do I Need KITCHEN AND BATHROOM FITTERs Insurance?
We've probably already painted a pretty picture of what it looks like not to have trade insurance in place. However, as a self-employed tradesperson, you have a duty to work in the safest, most compliant way whilst also leaving the site in the manner you found it (albeit with your work complete).
With that said, you should always be ready if a claim is made. You know the old saying: 'Fail to prepare, prepare to fail,'. Without preparing the right cover, you leave yourself wide open and liable.
At Rhino, we provide numerous types of trade insurance, all serving you in their way. Whether you are looking for coverage for staff members, needing to protect your tools or looking to insure your gadgets, we have the right cover under one roof. Here are just a few that are popular among Kitchen and Bathroom Fitters:
Employers' Liability Insurance
As a Kitchen and Bathroom Fitter, you may be self-employed or have a small team. If it's the latter, then by law, you will be required to take out Employers' Liability Insurance - without it, you could be fined £2,500 for every day you don't have it.
If you have staff members that cause some damage to your client's property, injure themselves whilst on the job or make a claim against you, then having this type of coverage in place will protect you from a hefty payout. We found that our prices are around 40% cheaper than most of the market, and a year's cover of Employers' Liability Insurance will cost you just £72.80. Want to know more? Find out everything you need to know here.
Starting at a mere £3.75 a month (can we hear you shout 'bargain'). Rhino Trade Insurance's popular Tool Insurance is one for every tradesperson's insurance arsenal. This standard piece of cover will protect your tools should they be lost, stolen or damaged and can be paid out up to £10,000 in compensation.
Don't risk being unable to fit any kitchens or bathrooms by not having any tools. Get yourself covered now and read all about why you should get this insurance here.
A Kitchen and Bathroom Fitter without a van is like Batman without Robin. That's why we at Rhino have partnered with vaninsurance.co.uk to offer you a unique and discounted price to insure your vehicle. Find out more now.
Professional Indemnity Insurance
As a trade that will generally offer advice and guidance as part of your service, it's well worth considering having Professional Indemnity Insurance as a Kitchen and Bathroom Fitter. This type of trade insurance starts at just under £20 a month and will save you in case your business offers some form of design advice, guidance on a job, drawings or expertise as part of your service.
Should something go fundamentally wrong on the client's site due to your information, you could be liable and made to pay compensation. Having Indemnity Insurance in place will save you from this situation and cover any costs that the client has lost in having to salvage the situation. Of course, no one intends to provide bad advice, but things go wrong, so it's best to have your back covered.
You can find out about Professional Indemnity Insurance and all of our popular cover options by checking out this page. Have you got any questions? Give us a bell on 0116 243 7904.