Plastering Contractors Insurance

Insurance for Plasterers and Plastering Contractors

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PLASTERING PUBLIC AND EMPLOYERS LIABILITY
SAME DAY QUOTES AND INSTANT COVER
HIRED IN PLANT INSURANCE
PLASTERERS CONTRACT WORKS INSURANCE
QUALITY INSURANCE PROVIDERS
PREMIUM FINANCE AVAILABLE

Plasterers Insurance

Whether you are a small contractor covering a wide spectrum of general plastering activities such as skimming, rendering or specialist activities such as Mono or your business specialises in larger contracts such as new housing estates or commercial refurbishment properties the likes of Hotels, Plastering Contractors Insurance is essential.

Plastering is an art, that hardboard (or hawk – will leave that one with you to argue) working perfectly with your trowel putting on gauge after gauge whether, on plaster-boarded ceilings or walls, however it doesn’t matter how careful you are there is always that chance that something could go wrong.

If you are looking for quality competitive plasterers insurance for your business where you get advice from knowledgeable specialist commercial insurance brokers, contact us today or call us on 330 058 0260

We are not a call centre and we don’t ask you to fill in questions on a screen and hope for the best, we are happy to provide advice and guide you through what insurance is best for your plastering business.

Does a plastering contractors business need insurance?

Without a doubt, just like any business you really do need insurance, covers such as Plasterers Public Liability insurance is needed although it’s not a legal requirement, unlike Employers Liability Insurance which is compulsory, and whilst there are a few exceptions it is required by law where you engage labour to help you, these could be voluntary or labour-only sub-contractors.

The risks can be quite diverse, and whilst the days of milk crates and oil cans with a batten across them are probably gone to be replaced by tower scaffold there is always the risk that even falling from a low height whilst plastering a ceiling could mean considerable injury to the employee.  Plaster trodden into the customer’s carpet won’t go down too well, particularly if it’s lime on the best Axminster.

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What is Plastering Contractors Liability Insurance?

A plastering contractors liability insurance policy will usually consist of two main covers, Public Liability and Employers Liability, these are both essential and in most instances employers liability insurance being a legal requirement.

Plasterers Public Liability Insurance

As a plastering contractor public liability will provide protection against a third party, for example, a member of the public or perhaps your customer who has alleged negligence on your part. Dropping plaster on the best carpet, leaving materials where someone has fallen and become injured or even causing damage when you lower scaffold, the scenarios are endless, the problem is that if you don’t have adequate protection then it could be you personally picking up the costs of the claim, and if there is injury involved it could be a substantial cost.

Plasterers Public Liability will provide protection against allegations of loss, damage or injury, it will pay for any legal costs to defend you and your business and pay any compensation up to the limit of indemnity that you have chosen.

What is liability cover limit of indemnity?

When you take out Public Liability Insurance you will need to a Limit of Indemnity, this is the limit which your insurer will pay up to in the event of a loss. There are various limits, £1m, £2m, £5m and upwards. These are generally chosen based on what you might estimate to be the maximum loss, however a claim where an injury is involved could have a significant claim cost to it, we always recommend that you purchase the highest limit, within reason to protect your business. There may be times that your employer/main contractor requires you to have a much higher limit with £10million public liability not being uncommon.

Employers Liability Insurance for a plastering contractor.

Voluntary, casual, directly employed as well as labour-only sub-contractors could make a claim against you, their employer, for injuries they have sustained whilst providing labour to you. With the best Health & Safety management accidents may and do sometimes happen. Carrying out a Monocouch job at three stories requires scaffolding; at heights, injuries can be more severe, similarly using lime  based plaster products could leave you exposed to allegations of skin problems from an employee, if not correctly trained in their use.

Employers Liability Insurance usually has a standard Indemnity Limit of £10million, this can be increased if required.

What other insurance covers does a plastering contractor require?

We have covered the essential liability insurances, but a plasterer or plastering contractor has exposures in other areas.

Contract Works insurance for a plastering business will provide cover for your stock and materials at the site, this might include your board finishes, plasterboards and plaster bead as well as any other specialist materials that you might be using, such as specilaist plasters and lime for renovation projects.  Should they get damaged or even stolen whilst on site then the policy will not only replace the materials it will cover the costs to re-plaster where there has been storm damage or even fire damaging the existing work.

Whilst for many plasterers the days of lathe and plaster and lime rendering are gone, for the purists and those that prefer to have their property renovated to a breathable state then lime render and finishing is going to be the requirement.

Heritage & Historical Plastering still takes place, this might be in older properties but there is the increasing use of traditional lathe and plaster, lime and hemp to give the property great insulation properties, a breathable covering but something that returns the property to the original look and feel.

Historical plastering might include other specialist components such as intelligent breathable membranes and wood-wool or other specialist substrates, not to mention the wood fibre insulation, none of which are cheap meaning a contract works policy for these types of projects is essential.

Plant & Machinery Insurance, for many in the plastering trades, a few buckets, a decent handheld paddle mixer and of course the trowel or trowels of choice are all that is needed, a great pair of plasterers stilts too if you are really that brave.

For larger or more specialist jobs, scaffolding, plasterboard lifting equipment and for certain jobs cement mixers or specialist paddle mixers for lime-based finishes can be expensive.

A contract works or a contractors all risk policy can cover these items, whether your business owns the equipment or cover for hired in plant and equipment is required.

Commercial Vehicle or Van insurance, getting from A to B whether that is just one Van or a fleet of vehicles, insurance is a legal requirement. Speak to us about the best way to insure your vehicles.

Legal Expenses Insurance, some insurance policies automatically include cover for legal expenses for your plastering business, if not it’s easily added as a standalone insurance policy.

What are the advantages of a Commercial Legal Expenses insurance policy?

They’re competitively priced or can be free as they are sometimes included. They provide a wide range of protections, HMRC investigations and disputes, Contract Disputes insurance and one of the key protections is Employment Dispute cover.

Many legal expenses policies will provide a range of business documents and templates for you to use in your business, combine this with a legal helpline too which is there for you to use.

Remembering that these types of policies are either included or are very competitively priced means that they are limited on what they provide, as an example, they have a “Prospects of Success” clause included, which means that you must have a 51% chance of winning.

Directors & Officers Liability Insurance

As a company can hide behind its limited liability status, as a director not just of a plastering business you can be held personally responsible for a wrongful act, which means you may have to for any defence or compensation yourself. Luckily Directors and Officers Liability cover can be very competitively rated for a plastering contractor.

Accident & Sickness Insurance

Having an accident can prove expensive, if you can’t work who pays the bills, the mortgage, the finance on the business van. As a plasterer you could be temporarily disabled, that shoulder that has done thousands of miles has finally given up and no shoulder no plastering…

What type of business would benefit from Plastering Contractors Insurance?

Plastering contractors businesses cover a very wide spectrum of services, from the general plasterer to the really specialist end of the market.

Domestic and commercial plasterers
Historical plastering specialists.
Renovation and restoration plastering work.
Tadelakt or Venetian plastering specialists.
Monocouche and Rendering Insurance
Traditional Plasterwork
Lathe & Lime Plaster specialists.

Whatever your business does, speak to us about your requirements.

Why use Real Insurance for your plasterer’s business insurance requirements?

Real Insurance Group are specialist commercial brokers, we don’t use online systems leaving you to do it yourself, neither are we a call centre, what we are is very experienced and knowledgeable brokers, we can help you get the right cover at the most competitive pricing.

Speak to one of our brokers today about your Plastering Contractors Insurance requirements.

Real Insurance Brokers UK
Real Insurance Brokers UK