Public liability and tools cover built for kitchen and bathroom fitters, covering the mix of carpentry, plumbing and electrical connection work a single job involves.
Public liability and tools cover built for kitchen and bathroom fitters, covering the mix of carpentry, plumbing and electrical connection work a single job involves.
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Kitchen and bathroom fitter insurance is a combination of covers built around a job that crosses several trades, public liability for injury or damage, employers’ liability if you have staff, and tools cover for your equipment.
A single fit-out can involve carpentry, plumbing connections and appliance wiring. Any water or gas connection work still needs a qualified plumber or Gas Safe engineer, even if you’re managing the wider job.
Kitchen & bathroom fitter insurance can include:
Public liabilityEmployers’ liabilityTools & equipmentProfessional indemnity (if you design)Water damage coverBusiness van insurance (separate policy)
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Professional Indemnity
Covers claims that your design or layout advice was negligent.
Business Contents
Protects units, materials and equipment kept at a workshop or unit.
Tools & Equipment
Covers your tools against theft from the van or site.
What could go wrong on a kitchen or bathroom fit?
What could go wrong on a kitchen or bathroom fit?
Most kitchen and bathroom fitter claims come from a water leak after installation, damage to worktops or flooring, or an appliance fitted incorrectly.
Most kitchen and bathroom fitter claims come from a water leak after installation, damage to worktops or flooring, or an appliance fitted incorrectly.
| Situation | Usually covered | Worth checking your policy |
|---|---|---|
A pipe connection leaks and damages flooring below | Yes, standard public liability | Third-party property damage |
Removing old units damages existing tiling or walls | Yes, standard public liability | Third-party property damage |
A worktop or unit is scratched during fitting | Yes, standard public liability | Accidental damage during the work |
A design or measurement error means units don’t fit | Needs professional indemnity, not just public liability | A mistake in your advice or measurements, not physical damage |
Top Tip
If you measure up and design the layout yourself, professional indemnity covers the cost of getting it wrong, public liability alone only covers physical damage, not a planning mistake.
There’s no fixed price. It depends on the type of fitting work you do, whether you have staff, the value of your tools and your claims history.
Type of fitting work
Bathroom work carries different risk to kitchen fitting, given the water exposure.
Level of cover
Adding professional indemnity increases your premium.
Number of staff
More employees increase your employers’ liability exposure.
Design involvement
Doing the design and measurements yourself changes your risk profile.
Value of your tools
More expensive kit means a higher tools cover premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get kitchen & bathroom fitter insurance
How to get kitchen & bathroom fitter insurance
Getting kitchen & bathroom fitter insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting kitchen & bathroom fitter insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Tell us about your work
The type of fitting work you do, and whether you have staff.
Choose your covers
Public liability, tools and any extras you need.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and working
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Kitchen & bathroom fitter insurance guides
Kitchen & bathroom fitter insurance guides
Practical advice on cover, water damage and staying protected.
Practical advice on cover, water damage and staying protected.
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Kitchen & bathroom fitter insurance FAQs
Kitchen & bathroom fitter insurance FAQs
Straight answers on cover, water damage, design work and cost.
Straight answers on cover, water damage, design work and cost.
Kitchen and bathroom fitter insurance is a combination of covers built around fit-out work that crosses several trades: public liability for injury or damage, employers’ liability if you have staff, and tools cover for your equipment.
Still have questions?
Our advisers are here to help you find the right solution.
Related trades we cover
Related trades we cover
Kitchen and bathroom fitters often work alongside these trades. Each has its own cover requirements.
Kitchen and bathroom fitters often work alongside these trades. Each has its own cover requirements.
Plumber Insurance
Water connections behind every kitchen and bathroom installation.
Tiler & Plasterer Insurance
Wall and floor finishes that follow the fitting work.
Electrician Insurance
Wiring for appliances, lighting and extractor fans.
