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Kitchen Fitters Insurance

Insurance for kitchen fitters starting at £54* per year

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Home » Kitchen Fitter’s Insurance

Tradesman Saver’s Kitchen Fitters Insurance Cover

To ensure you receive the best possible cover for the most affordable price, we have everything you may need in your policy, including:

  • Public & products liability up to £5 million
  • Employers liability at £10 million
  • Contractors All Risk Insurance with provides cover for:
       – Contract works
       – Owned plant
       – Hired-in plant
       – Employees’ tools
  • Essential legal expenses at £100,000

Kitchen fitters insurance safeguards your livelihood in the event of being sued. Working as a kitchen fitter exposes you to certain hazards that make a bespoke insurance policy highly recommended. Our Tradesman Saver package features public liability, products liability insurance, employer’s liability insurance, and more.

As well as the standard covers provided, there are multiple optional ones you can add on to further protect yourself. These include contractors all risk and tools and equipment cover, for example.

Why do you need kitchen fitters insurance?

While being a kitchen fitter is an incredibly rewarding job, allowing you to turn people’s dream kitchen ideas into reality, it does come with certain risks. You could injure yourself or a member of staff for instance, or you may have your tools stolen and have to pay for replacements. With kitchen fitters insurance though, you’re protected in such scenarios.

What’s more, it will also cover you for accidental damage or injury caused to customers or members of the public, meaning you don’t have to foot the bill for any compensation, legal fees or repair costs.

Get a Quote  Learn about Public Liability

How our kitchen fitters insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Understanding public liability insurance for kitchen fitters

Obtaining an insurance policy isn’t the most thrilling of endeavours, but it’s essential as a kitchen fitter. While there are numerous covers you can include in your policy, public liability is the most important. This is the cornerstone of your insurance, providing cover if somebody is injured or they sustain property damage due to your work. Below are some of the scenarios where public liability insurance will protect you:

    • Dropping a tool from up high and damaging your customer’s property
    • A member of the public tripping over unattended equipment
    • Accidents caused by poor kitchen fitting

Why do you need public liability insurance for kitchen tradesmen?

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Regardless of whether you’re a kitchen fitter or installer, a kitchen designer, or a kitchen planner, you could be liable for hefty compensation fees if you damage a customer’s property or injure someone on the job. But with public liability insurance, your provider and not you will cover the costs involved.

How much does kitchen fitters insurance cost?

The price of your kitchen fitters insurance depends on various factors. These include the amount of cover you require, your location, your claims history and the number of people you employ.

Our Tradesman Saver policy for kitchen fitters and installers includes lots of extra covers as standard including financial loss, legal expenses and accidental death cover.  You’ll find it hard to beat our excellent cover and competitive prices.

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Prices start from £58.76

Kitchen fitters insurance quote examples

£58.76 / year A kitchen fitter/installer working on domestic and small commercial properties
  • Sole trader
  • No employees
  • 5 years experience
  • Based in Liverpool
  • No claims

Automatic Covers

  • Public Liability £2,000,000
  • Financial Loss £10,000
  • Products Liability £2,000,000
  • Legal Expenses £250,000
  • Accidental Death £10,000

Optional Covers

  • Business Contents Not Insured
  • Personal Accident Not Insured
  • Employers Liability Not Insured
  • Tools / Equipment Not Insured
  • Contract Works Not Insured
  • Professional Indemnity Not Insured
£16.74 / month £184.20 / year A kitchen fitter/installer working on domestic and small commercial properties
  • Limited Company
  • No employees
  • 5 years experience
  • Based in Surrey
  • No claims

Automatic Covers

  • Public Liability £2,000,000
  • Financial Loss £10,000
  • Products Liability £2,000,000
  • Legal Expenses £250,000
  • Accidental Death £10,000

Optional Covers

  • Business Contents Not Insured
  • Personal Accident £50,000
  • Employers Liability Not Insured
  • Tools / Equipment £3,000
  • Contract Works Not Insured
  • Professional Indemnity Not Insured

The above quote examples were taken from our online system on 23/03/23.  These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.

Insurance cover Excess
Public Liability £250
Products Liability £250
Employers Liability No Excess
Financial Loss 10% of claim value(£2,500 minimum)
Professional Indemnity 10% of claim value(£2,500 minimum)
Contract Works £250(£500 Theft/Malicious Damage)
Tools / Equipment £100(£250 Unattended vehicle)
Legal Expenses No Excess

Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

    We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/01/2024

Kitchen Fitters Insurance: Frequently Asked Questions

Does Tradesman Saver insure other types of kitchen tradesman?

Yes, our cover is suited to all types of kitchen tradesman, including kitchen planners, kitchen installers and kitchen designers.

Can you insure kitchen fitters equipment?

You can insure your kitchen fitting equipment with our contractors all risk insurance, while we also offer tools and equipment cover. The same applies to owned equipment and rented equipment.

How long does kitchen fitters insurance last?

Generally speaking, the packages offered here at Tradesman Saver are taken out on a twelve month basis. You can pay for it annually or in monthly installments, and each policy can be renewed yearly. Claims for damages or injury can be made whenever during this point provided you give proof of policy at that given time.

How do I make a claim on my kitchen fitters insurance policy?

In order to make a claim on your kitchen fitters insurance policy, you must contract us or your provider as soon as possible. Before you do though, check that you’re within the time limits of your policy and that it covers the type of claim involved. You should also see what the excess is so you know what the insurer will deduct from the claim.

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 13% of new customers paid less than £54 between 1st January 2024 and 30th January 2024. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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