What is shop fitters insurance?
Owning your own business is hard – with the endless piles of paperwork, taxes and long hours, it’s more than a full time job. But when you also work in your company as a shop fitter, that’s more like a full-time-and-a-half job! With so many variables to consider on every job you go on, the one thing you’re always desperate for is peace of mind, which can be tough to find in the industry you work in. With accidents waiting around every corner, getting any shred of it feels almost impossible.
Why do you need shop fitters insurance?
Fortunately, here at Tradesman Saver, we have the answer. We’ve been working with businesses like yours in the industry for over a decade and we understand exactly what you need from your insurance policy. Our policy has been carefully curated around the requirements of your trade, ensuring you get all the protection you need, in one place. Customise your policy with our online quote form and get that peace of mind you’ve been longing for.
How our shop fitters insurance works
Complete our simple quote form with basic details about your business
Get a Quote
Get an instant quote & choose any optional covers you may need
Instantly activate your Tradesman Saver policy and view your certificates online
Tradesman Saver’s Public Liability Cover For Shop Fitters
Our standard cover is:
- Up to £5 million cover for public and products liability
- £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)
There are many insurance options which would benefit your shop fitters business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.
Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.
Other relevant insurance policies for a shop fitters business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. Here at Tradesman Saver we have all the coverage you may need as a shop fitter and you can get your quote online in minutes.
Chosen by over 5000 businesses and counting *
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
The Right Protection For Your Shop Fitting Business
When it comes to getting insurance, it can feel a little like you’re wading through treacle. There’s insurance terms floating around everywhere and all you really want to know is exactly what you need to suit your business, and the kinds of situations it will cover. To give you a clearer idea of some of the things different covers will cover you for, take a look below, where you’ll find some claims examples that relate to your specific business:
That falling feeling
You’re working on a job, fitting a news agent shop, with your employee. Your employee is up on a ladder installing some shelving, but unfortunately the ladder you’ve taken with you is unstable and your employee falls off, badly injuring themselves. They decide to seek compensation against you for their injury. This is where your employer’s liability insurance comes in handy – it’ll cover the costs of the compensation for you, so you can get back to work as quick as flash.
The problem with cables
You’re working on a job fitting out a clothing store. You’re using a drill to drill some holes for the shelving to attach to the wall, but as you’ve laid the drill to rest while you attach the shelves to the wall, your client fails to see the cable and trips over, causing themselves significant injury. They choose to make a compensation claim against you for their injury. Your public liability insurance comes in handy here – through it, your insurer will cover the costs of the claim, so you can continue doing what you do best.