Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK bathroom fitters — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Two things cause more bathroom fitting claims than almost anything else: water finding its way through a joint or seal that wasn't quite right, and work being carried out that should have gone to a registered specialist instead.
A pipe joint, tap connection or waste fitting that isn't sealed properly can leak slowly behind tiles or under flooring, often going unnoticed until there's visible damage to ceilings or rooms below. Pressure-testing connections before tiling over them can catch a problem while it's still easy to fix.
Connecting or altering gas pipework for a combi boiler, towel rail or any gas appliance is gas work, even as part of a bathroom refit, and it's illegal to do without being Gas Safe registered. A claim linked to gas work carried out without the right registration is very unlikely to be covered.
An incorrectly sealed shower enclosure, bath surround or wet room can let water track into the subfloor or the ceiling below, sometimes showing up as a stain weeks later in a completely different room.
Lighting, extractor fans and shaver sockets in a bathroom fall under specific electrical safety zones because of the water risk. Work beyond minor, non-notifiable tasks generally needs a qualified electrician and should be declared to your insurer if you're managing it as part of the job.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers legal costs and compensation if a client or third party is injured or has property damaged during your work. Most builders and contractors require you to hold this before starting on site.
Covers your tools against theft from a van or site, and accidental damage. Tool theft is one of the most common claims for tradespeople — check the limit carefully.
Legally required if you employ anyone — including casual workers or labour-only subcontractors you direct on site. Minimum £5 million cover required by law.
Covers work in progress on site against damage from fire, flood, theft or accidental damage before it's handed over to the client. Essential for large or long-running jobs.
Covers owned or hired-in plant and machinery on site — diggers, cherry pickers, compressors and specialist equipment.
Covers legal costs for contract disputes, debt recovery, HMRC investigations and employment tribunal defence.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
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