Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK kitchen 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.
A kitchen brings together plumbing, gas and finished cabinetry in one room, which means two things tend to catch fitters out: a leak from a connection that wasn't quite right, and work that should have gone to a registered specialist instead.
Sink traps, dishwasher and washing machine connections, and boiler pipework hidden behind units can leak slowly if a fitting isn't sealed or tightened correctly, often causing damage to flooring and cabinets before it's spotted. Testing connections under pressure before the units are fully boxed in catches this while it's still easy to put right.
Connecting or moving pipework for a gas hob, cooker or boiler is gas work, even when it's one part of a wider kitchen installation, and it's illegal to do without being Gas Safe registered. A claim linked to gas work carried out without registration is very unlikely to be paid.
Units, worktops and appliance housings that don't match the agreed plan or manufacturer's installation instructions can lead to a costly dispute or rework. Sticking closely to the design and any appliance-specific fitting requirements reduces the chance this turns into a claim.
Wiring for ovens, hobs and other fixed appliances often needs to be signed off by a qualified electrician, particularly for anything beyond a simple plug-in connection. If you manage this as part of the job, make sure it's carried out and certified properly, and declared to your insurer.
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.
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