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Plasterers insurance is specialised business insurance for plastering firms, sole traders and contractors.
You can buy different types of insurance:
Employers liability insurance - covers costs if employees are harmed
Public liability insurance - covers costs if members of the public are harmed
Tool insurance - covers costs if tools are lost, damaged or stolen
🚩 Employers liability insurance is a legal requirement if you have staff
🚩Clients may insist you have public liability insurance
Whether you own a construction firm or are a self-employed plasterer, insurance can financially protect you if something goes wrong at work.
Without insurance you could end up paying some very high costs if your equipment is stolen, your employee is hurt, or your work damages someone's home.
If you are a UK business and you have any non-family members working for you then by law you must have employers' liability insurance.
Without it, you can be fined up to £2,500 for every day you're not insured[3].
If anyone becomes ill or injured because of your work you could be responsible for the associated costs, including expensive compensation claims. This is far from an unlikely scenario: an average 47,000 construction workers are injured each year.[4]
Employers' liability insurance covers harm caused to employees, contractors, volunteers and anyone else doing any work for you. It's also a legal requirement.
Many people are wary about hiring tradespeople who do not have comprehensive insurance policies in place, and many organisations have policies prohibiting them from hiring uninsured companies.
Government contracts, for example, will usually insist you have a public liability insurance policy of at least £5-£10 million.
Things can unexpectedly go very wrong when you are working on buildings. If anyone becomes ill or injured because of your work you could be responsible for the associated costs, including expensive compensation claims.
Public liability insurance covers harm to members of the public. It is not a legal requirement, but some clients will insist you have it, especially if you do plastering for commercial properties.
From spilling plaster on a client's carpet to accidentally breaking their furniture there are 101 ways the tools of your trade could end up causing expensive property damage that owners may expect you to pay for.
With public liability insurance your insurance provider will pay the costs of accidental damage to other people's property, whether that's a client, supplier or member of the public.
Business contents insurance can help you recover the cost of losing company equipment to fire, flood, theft and other disasters. Tool cover can offer similar protection for your expensive plastering tools.
Employers liability insurance covers the compensation costs if a worker becomes ill or injured because of their work for you. This includes ex-employees.
For example, if a worker falls off a set of ladders or inhales wood dust, fumes, or chemicals that create health issues years later they could sue their old employer for failing to put adequate health and safety measures in place.
You can be taken to court if a client or a member or the public believe they have been physically or financially harmed because of your company's business activities, including if their property is damaged.
Plasterers businesses could be found liable for everything from falling equipment damaging fitting fixtures to a plasterer contractor slipping on-site and banging their head.
Public liability insurance can cover the legal fees and compensation payouts in the event of a claim.
That's how much was paid out in 2024. Without business insurance, those customers would have faced paying that bill themselves.
Comparing quotes from different insurers allows you to find the best deal out there.
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Public liability insurance protects you if your work harms members of the public.
Employers’ liability insurance protects you if your staff become ill or injured at work.
Tool insurance covers costs if your tools are stolen, damaged, or lost.
Business interruption insurance protects against disruption from events like fires.
Personal accident insurance protects you if you're injured.
Business van insurance Protect your work vehicle and its contents.
(Per Year) | Cheapest | Average |
|---|---|---|
Plasterer | £69.17[8] | £78.61 [9] |
The table shows the average prices paid by our customers for plasterers insurance.
Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
According to our latest data, 10% of customers paid this when taking out an annual plasterers insurance policy.
The cost of fixing insurable problems yourself is usually significantly more expensive than taking out insurance.
Almost 9 in 10 of business insurance claims made by MoneySuperMarket customers were accepted last year.
All insurance has conditions and exceptions, so you should read your policy documents carefully to make sure you know what is and isn't covered.
When it comes to business insurance, the cheapest option may not be the best option for you. Sometimes it is worth paying a little more to get a better level of cover.
Financial loss: Compensation payouts to third parties that had their person or property harmed by your work activities
Business van insurance: Standard motor insurance policies won't usually cover vehicles that are used for work
Legal expenses insurance: For things like employment disputes, property disputes, and tax investigations
Accidental death: Offers a lump sum should you or an employee die as a result of an unforeseen incident
Tools and equipment: Cover to repair and replace business equipment that is damaged or stolen
Business contents: Covers items such as office furniture or computers and phone systems for if they’re damaged or stolen
Professional indemnity: Covers you if your business is responsible for any professional negligence
Personal accident insurance: Offers a lump sum payment if you or an employee are hurt and no longer able to work
Intentional harm or damage: Either by yourself or an employee
Poor workmanship: Most insurance policies won't cover you for events that are caused by incompetence, although professional indemnity will cover you for some types of negligence
Drugs or alcohol: If you or your employees were under the influence when the event you want to claim for occurred
Damage to property being worked on: Some policies won't cover damage to a person's property caused while you are working on it
Wear and tear: Insurance won't pay out for damage or breaking of tools or equipment that are the result of general wear and tear
Breach of contract: Some types of insurance will exclude cover for costs arising from you breaching a contract
Improper use of business vehicles: If you're using vehicles for work purposes without declaring that to your insurer, or if the person driving is not covered by the policy
The amount of public liability insurance that you need as a plasterer depends on a variety of factors, including the size of your business, the nature of your work, and the level of risk associated with your operations.
If you buy through us you can choose from three levels of cover: £1 million, £2 million or £5 million.
Yes, you can work without public liability insurance - it’s not something you legally need to have.
However, it can be extremely useful if someone makes a claim against you. Some customers may also want to see proof of a policy before they will hire you.
You would be responsible for paying the costs yourself if a customer or member of the public took you to court for damage caused to them or their property.
You would need to pay for your legal fees and also compensation if you lose your case. These costs can be significant but with public liability insurance you would be covered.
You can put different types of work on one business insurance policy, but you must specifically add them to the insurance to be covered. You can do this when you take out the policy and you can also add extra trades on mid-way through by contacting your insurer.
Some examples of work you would need to add on to your plasterer insurance policy include:
Carpentry
Plumbing
Electrical work
The most basic type of insurance for a painting job would be public liability insurance, which protects you against the cost of a claim if your painting or plastering work causes damage to someone else’s property. If you employ another person you’ll legally be required to buy employers liability insurance.
Policies vary per provider, so always check the terms and conditions but in general, here is what your insurer won’t cover:
Deliberate acts resulting in injury or sickness
Injuries that occur during travel
Employees working off-shore
Plasterers are in high demand in the UK with the amount of renovations and DIY projects going on, but some customers will only hire a plasterer who can show they have insurance. Yet even if this isn’t the case, if you don’t have cover, you could be left paying out for legal and settlement fees to a customer if they take you to court. The right type of cover also provides peace of mind for a range of different scenarios, from knowing that if something happens to your equipment you can replace it, to having your income covered if you’re unable to work.
Rebecca Goodman Personal Finance & Insurance Expert
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
The only insurance plumbers are legally required to have is employers liability insurance if you have anybody working for you.
However, given the risks associated with the job many plasterers take out public liability insurance, which covers costs if members of the public or their property are harmed. Clients may also insist you have this type of insurance
The amount of public liability insurance that you need as a plasterer depends on a variety of factors, including the size of your business, the nature of your work, and the level of risk associated with your operations.
If you buy through us you can choose from three levels of cover: £1 million, £2 million or £5 million.
You can put different types of work on one business insurance policy, but you must specifically add them to the insurance to be covered. You can do this when you take out the policy and you can also add extra trades on mid-way through by contacting your insurer.
Some examples of work you would need to add on to your plasterer insurance policy include:
Carpentry
Plumbing
Electrical work
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