Fireplace Installer Insurance

Fireplace Installer Insurance Cover

Our standard cover is:

• £1 million cover for public and products liability (with an option to increase to £2 million, £5 million or £10 million)
• £10,000 cover for any financial loss (£50K cover optional)
• Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Installing a fireplace, whether it’s a wood-burning stove, an electric fireplace or even repairing an existing fireplace, can be dangerous. Not only could you be putting yourself at risk, but an improper installation, damage to the chimney or any one of a dozen mistakes could cause long-lasting health impacts for anyone in the property.

From potential property damage to accidental injuries, the nature of your job requires specialised insurance protection. Tradesman Saver understands these risks and offers tailored fireplace installer insurance to safeguard your business, your clients, and your peace of mind.

Our comprehensive business insurance package is designed to address the specific needs of fireplace installation professionals, providing you with the confidence to focus on your craft while we take care of the potential risks.

What Does Our Fireplace Installer Insurance Cover?

At Tradesman Saver, our policy automatically includes these essential covers:

1. Products Liability Insurance: This protects you against claims arising from products you’ve sold, supplied, or installed. For instance, if a faulty fireplace component leads to property damage or injury, you’re covered.
2. Financial Loss Coverage: This insurance safeguards you against claims for financial losses that aren’t directly caused by physical damage or injury. For example, if a delay in fireplace installation leads to a client’s financial loss, you’re protected.
3. Accidental Death Cover: In the unfortunate event of a fatal accident, this cover provides financial support to your loved ones.
4. Legal Expenses Insurance: This offers protection against the costs of legal action and provides access to expert legal advice when you need it most.

Why Do Fireplace Installers Need Specialist Insurance?

Fireplace installation is a skilled trade that comes with its own set of unique risks. Here’s why specialist insurance is crucial:

1. Property Damage Risks: Installing fireplaces often involves making significant alterations to a property. There’s always a risk of accidental damage to the client’s home during the installation process.
2. Fire Hazards: Given the nature of fireplaces, there’s an inherent risk of fire-related incidents. If a fire occurs due to improper installation, you could face substantial liability claims.
3. Health and Safety Concerns: Working with heavy materials and potentially harmful substances like sealants or adhesives poses risks to both you and others on the premises.
4. Product Liability: If you supply fireplaces or components as part of your service, you could be held liable for any defects that cause harm or damage.
5. Professional Advice: You may offer advice on fireplace selection or maintenance. Professional indemnity insurance can protect you if a client suffers a loss due to following your advice.