Public liability and tools cover built for tilers and plasterers, including cover for the existing surfaces and finishes around your work.
Public liability and tools cover built for tilers and plasterers, including cover for the existing surfaces and finishes around your work.
Water through tilingDust damageWork in progress
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
Tiler and plasterer insurance is a combination of covers built around finishing work in occupied homes and businesses, public liability for damage or injury, employers’ liability if you have staff, and tools cover for your equipment.
You’re usually working over someone else’s finished surfaces, flooring, fixtures, other trades’ completed work, which is exactly where most claims in this trade come from.
Tiler & plasterer insurance can include:
Public liabilityEmployers’ liabilityTools & equipmentProfessional indemnity (if you design)Materials & product 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 specification advice was negligent.
Business Contents
Protects materials and equipment kept at a yard or unit.
Tools & Equipment
Covers your tools against theft from the van or site.
What could go wrong on a tiling or plastering job?
What could go wrong on a tiling or plastering job?
Most tiler and plasterer claims come from water leaking through newly tiled floors, a dropped tile or tool damaging flooring, or dust damaging nearby fixtures.
Most tiler and plasterer claims come from water leaking through newly tiled floors, a dropped tile or tool damaging flooring, or dust damaging nearby fixtures.
| Situation | Usually covered | Worth checking your policy |
|---|---|---|
Tiling water leaks into the floor below | Yes, standard public liability | Third-party property damage |
A dropped tile or tool damages flooring | Yes, standard public liability | Third-party property damage |
Plaster doesn’t cure properly and needs redoing | No, this is your own workmanship, not a liability claim | Redoing your own work isn’t insurable |
Dust or debris damages nearby fixtures | Yes, standard public liability | Third-party property damage |
Top Tip
Public liability covers the damage your work causes elsewhere, it doesn’t cover putting your own workmanship right. That distinction matters most on tiling and plastering, where the finish itself is the job.
There’s no fixed price. It depends on the type of work you do, whether you have staff, the value of your tools and your claims history.
Type of work
Wet room and bathroom tiling carries different risk to general finishing work.
Level of cover
Adding professional indemnity increases your premium.
Number of staff
More employees increase your employers’ liability exposure.
Working over existing finishes
Higher-value flooring or fixtures can affect 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 tiler & plasterer insurance
How to get tiler & plasterer insurance
Getting tiler & plasterer insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting tiler & plasterer 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 tiling or plastering 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.
Tiler & plasterer insurance guides
Tiler & plasterer insurance guides
Practical advice on cover, finishes and staying protected.
Practical advice on cover, finishes and staying protected.
Marketing Tips for Tradespeople: Ranking on Google Made Simple
If you’re a tradesperson, your next customer is probably searching online right now. Whether they need an emergency plumber, a local electrician, or a reliable builder, most people start with Google Search. If your business doesn’t appear near the top, you risk losing work to competitors who do.
Tiler & plasterer insurance FAQs
Tiler & plasterer insurance FAQs
Straight answers on cover, water risk, workmanship and cost.
Straight answers on cover, water risk, workmanship and cost.
Tiler and plasterer insurance is a combination of covers built around finishing work in occupied homes and businesses: public liability for damage or injury, 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
Tilers and plasterers often work alongside these trades. Each has its own cover requirements.
Tilers and plasterers often work alongside these trades. Each has its own cover requirements.
Kitchen & Bathroom Fitter Insurance
Wet areas where tiling and fitting overlap most closely.
Painter & Decorator Insurance
The finishing trade that usually follows plastering.
Builders Insurance
Main contractors coordinating finishing trades on site.
