Bathroom Fitter Insurance

We can help the majority of bathroom fitting businesses and sole traders, including: 

• Independent bathroom fitters 
• Bathroom fitting companies 
• Employed bathroom fitters 
• Subcontractors (when specified in the policy) 
• Apprentices and trainees 
• Business partners and employees 

It’s a good idea to consider insurance in case you run into the following: 

• You accidentally damage a client’s property 
• A client claims your work caused a leak or defect 
• Your tools or equipment are stolen from a job site 
• A fire or disaster damages your stored stock 
• An employee gets injured as a result of their work 
• A customer complains about damage caused during installation 

If you run your business and have employees, you’ll also need employers’ liability insurance, a legal requirement. If you are self-employed or contracted and work alone, you won’t need this.

While your cover can be tailored to your business, you may see the following exclusions: 

• Deliberate acts or negligence 
• Normal wear and tear 
• Undeclared work activities 
• Work completed before insurance coverage began 
• Claims exceeding policy limits 

Bathroom fitter insurance could start from 23p a day*

But two insurers are the same, so it’s difficult to give a solid figure for what you might be paying for an annual insurance policy. The following will affect the price of your premiums: 

• Extent of cover - The more cover you opt for, the more expensive your package is likely to be. 
• Your insurer - The insurer you choose will also influence costs. 
• Business activities - The type of services you offer will play a big part in determining the scope of your cover, influencing costs. 
• Location  – Where you work is taken into consideration when calculating the price of your premiums. 
• Claims history - Whether or not you’ve had claims made against you or you have made previous claims may affect your future premiums. 

How much you’ll pay annually will depend on a number of factors, including the size of your business, business location, type of policy purchased, coverage limits and previous claims history.

_{*This price is for a trades and professions policy – 10% of customers who were sold with one of our panel providers paid £84.20 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £7.02 a month or £0.23 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.}

If you have apprentices or training fitters who aren’t fully qualified, you must tell your broker 

so the right cover can be arranged. Any business that as apprentices will need employers’ liability and need to be included in the number of employees when speaking to a broker.

Keep in mind your cover is only likely to be valid if you stick to the following: 

• Apprentices only carry out activities they’ve been professionally trained for 
• They should be under regular supervision by someone who is fully qualified 
• You tell clients the apprentices are not fully qualified 

Please check with your insurer for terms and conditions that you may have to follow. 

At Bionic, we support UK business owners and want to help in every way we can. That’s why we have knowledgeable insurance brokers who work with a panel of trusted insurers to find you the insurance that fits your business needs. 

Get in touch with us today by carrying out a business insurance comparison to get started.