Compare Shop Fitters Insurance

As a shopfitter, you face risks every day that could result in legal action and compensation claims. Claims of this nature are extremely expensive. And when you factor in the legal expenses, the financial burden your company could face is enormous. This is where shop fitter’s insurance comes in; it can you and your company from financial ruin.

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Why Do I Need Shop Fitter’s Insurance? 

What would happen if you or an employee caused an accident that resulted in injury or property damage? Could your business afford to pay the compensation and legal expenses directly?

If not, then you should consider purchasing shop fitters’ insurance. Then you’ll have peace of mind knowing you and your business are protected, even when accidents happen. 

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Shop Fitters Insurance FAQs

What Types of Insurance Does a Shop Fitter Business Need?

That really depends on certain aspects of your business. Each business is unique and has different requirements when it comes to insurance policies. Even so, most businesses can benefit from the following policies. 

1). Public Liability Insurance

Public liability insurance protects you from claims made by third parties who have been injured or whose property has been damaged due to your business operations. This type of coverage may also include products liability insurance, which protects you against claims that arise from the sale or supply of a product. 

2). Employer’s Liability Insurance

Employer’s liability insurance protects you and your business from claims made by employees who have been hurt, become ill, or die on the job. 

If you have one or more employees, then you’re legally required to have employer’s liability insurance. 

3). Tools & Equipment Insurance

Your tools are the heart of your business. What would happen if they were lost? Would your business be able to replace them? If not, then this is where tools insurance can protect your business. 

This type of policy protects the tools needed for your profession against: 

  • Loss
  • Damage
  • Theft

4). Contract Works

Contract works insurance protects your work in case it becomes destroyed, delayed, or disrupted. This type of coverage generally includes: 

  • Works in progress (both commercial and domestic sites)
  • Damage/theft of tools and equipment left on site.

5). Hired-in Plant Insurance

Hired-in plant insurance protects equipment from theft, loss, or damage. It generally includes: 

  • Accidental damage to plant you’ve hired from a third party.
  • Loss or damage to hired-in plant equipment.
  • Legal liability for loss/damage to hired-in plant equipment.
  • Ongoing hiring charges

6). Professional Indemnity Insurance

Professional indemnity insurance covers mistakes that may arise in your work, as well as services that did not meet the client’s standards. This type of coverage generally includes: 

  • Claims for professional negligence that causes your client to suffer financial loss.
  • Advice you’ve given that turns out to be incorrect.

Choosing an insurance policy for your business has never been easier. If you have any questions about how to use our site or how to choose the right policy for your shopfitter business, then contact us today! We’re looking forward to working with you!

Do I Need Employer’s Liability Insurance for One Employee?
Yes, this is the law. You are required to have employer’s liability insurance for one or more employees, with a minimum of £5 million.
What if I Have No Employees? Do I Still Need Employer’s Liability Insurance?
If you have no employees, then you may not be required to have employer’s liability insurance however if your subcontract, hire voluntary or casual labour you should consider employers liability insurance.
I’m Self-Employed, Do I Need Employer’s Liability Insurance?
If you’re self-employed and work on your own, then you do not require this type of insurance policy. The only time you may need this is if a client requires you have employer’s liability insurance to work on a project.
Do I Need Employer’s Liability Insurance for a Limited Company?
Yes, if you run a limited company and employ one or more, or if you have more than one director, then you’ll need employer’s liability insurance. If you only employ close family members, and your company is incorporated, then you’ll also need employer’s liability insurance in this scenario.
Do I Need Insurance for Temporary Workers?
In most cases, if you have short-term staff, contractors, or casual workers, then you will more than likely be required to have employer’s liability insurance.
Do I Need Employer’s Insurance for Subcontractors?
The answer depends. If you’re hiring “labour-only” subcontractors who work under your management and use your materials/tools, then they are legally seen as employees. They will need to be covered by employer’s liability insurance. However, those subcontractors who are “bona fide” work under their own direction and use their own materials/goods will not need to be covered by employee’s liability insurance.
Do I Need Employer’s Liability Insurance for Volunteers?
While it’s not legally required, it can be a good idea to invest in employer’s liability insurance. The reason is that you want to protect the business in case a volunteer makes a compensation claim against you. However, if you already have employer’s liability insurance, then volunteers may be covered under the policy. If you’re not sure, then it’s a good idea to check with your insurance provider.
Do I Need Employer’s Liability Insurance for Students on Work Experience?
Yes, employer’s liability insurance is required to cover work experience students and anyone on a work placement.

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If you have questions or would like to update, or renew your policy, all you have to do is contact us. We will also help if you need to make a claim.

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