Insurance for kitchen fitters, starting less than £55 per year
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Compare QuotesOur standard cover is:
Kitchen fitting involves working with expensive materials, valuable appliances, and customers’ homes. This makes comprehensive insurance cover essential for protecting your business. At Carpenter Saver, we’ve been providing tailored insurance solutions to tradespeople since 1984, and we understand the unique risks kitchen fitters face daily.
Our kitchen fitters insurance policy provides essential protection starting from just £55 per year for sole traders. This coverage includes public liability insurance up to £5 million, products liability protection, and various optional extras that can be tailored to your specific needs. By selling directly rather than through comparison sites, we keep our prices competitive whilst maintaining excellent coverage standards.
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Trusted for over 40 years We’ve been providing insurance to businesses since 1984
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Complete our simple quote form with basic details about your business.
Compare quotes from our panel of insurers & chose any optional covers you may need.
Choose the quote that’s right for you, activate your policy and view your certificates online.
Our standard kitchen fitters insurance package includes several automatic covers designed to protect your business:
This crucial coverage protects you if a member of the public is injured or their property is damaged due to your work. For instance, if you accidentally damage a customer’s flooring whilst installing kitchen units, or if someone trips over your tools during an installation, public liability insurance covers the compensation and legal costs.
Kitchen fitters often supply materials and appliances alongside their fitting services. Products liability insurance protects you if any products you’ve supplied cause injury or damage after installation. This might include faulty cabinet hinges causing units to fall, or defective appliances causing property damage.
Sometimes mistakes happen that don’t cause physical damage but result in financial losses for your clients. Perhaps incorrect measurements lead to costly delays, or specification errors require expensive remedial work. Financial loss cover helps protect your business from these claims.
Legal disputes can arise even when you’ve done nothing wrong. Our legal expenses cover provides access to legal advice and covers costs if you need to defend your business or pursue unpaid invoices through the courts.
Beyond our automatic covers, several optional protections are particularly relevant for kitchen fitters:
If you employ anyone, even on a casual basis, this coverage is a legal requirement. It protects you if an employee is injured whilst working for you, covering compensation claims and legal costs. Given the physical nature of kitchen fitting work, from lifting heavy units to using power tools, this protection is vital for any kitchen fitter with staff.
Your tools are essential to your livelihood, and replacing them can be expensive. This cover protects your tools against theft, loss, or damage, whether they’re in your van, on site, or in storage. With tool theft increasingly common across the UK, this coverage provides peace of mind that you can quickly replace stolen equipment and get back to work.
This protects the actual kitchen installations you’re working on before completion. If materials are damaged by fire, flood, or vandalism before you’ve finished the job, contract works insurance covers the cost of replacement materials and additional labour.
Kitchen design often forms part of a fitter’s service. Professional indemnity insurance protects you if errors in your design work, measurements, or advice lead to financial losses for your clients. This becomes particularly important when working on high-value kitchen projects or commercial installations.
Insurance costs vary based on several factors, including your business structure, location, experience, and the level of coverage you need. Sole traders working on domestic properties might pay as little as £55 per year for basic public liability cover. However, limited companies or those requiring additional covers, such as employers’ liability and tools insurance, might expect to pay more. The exact cost depends on:
Kitchen fitting presents unique risks that general tradesperson insurance might not adequately cover. You’re working with water supplies, gas connections, electrical appliances, and expensive materials in customers’ homes. A simple mistake like an incorrectly fitted water connection could cause thousands of pounds worth of damage.
Moreover, many clients now require proof of insurance before tradespeople can work in their homes. Commercial clients and main contractors almost always insist on seeing valid insurance certificates before engaging kitchen fitters. Without proper coverage, you’re limiting your business opportunities and exposing yourself to potentially devastating financial risks.
Ready to protect your kitchen fitting business with comprehensive insurance coverage? Get a quote today. It’s quick and simple – our online form takes just minutes to complete, and you’ll receive an instant quote tailored to your specific needs.
Join thousands of satisfied tradespeople who trust Carpenter Saver for their insurance needs. With over 40 years’ experience and direct savings that benefit your bottom line, we’re the smart choice for kitchen fitters across the UK.
* Total number of live policies as of 31/10/2025
Yes, even part-time kitchen fitters need insurance. Accidents can happen regardless of how many hours you work, and the financial consequences remain the same. Many of our customers are part-time fitters who appreciate our competitive rates for smaller operations.
Absolutely. Our policies can cover domestic and commercial kitchen fitting work. Commercial projects often involve higher values and stricter insurance requirements, so ensure you discuss your needs when getting a quote to ensure adequate coverage levels.
We understand businesses grow and change. If needed, you can adjust your coverage levels during your policy term. Simply contact us to discuss your changing requirements, and we’ll adjust your policy accordingly.
From only£55per year 
From only£55per year 
From only£55per year 
From only£55per year 
From only£55per year 
