Tilers Insurance Public Liability Quotes

Owning your own business brings with it huge promise and possibilities. It also brings with it certain risks. If you’re running your own tiling business, it’s vital that you appreciate what those risks are – and that you get adequate insurance in place to keep you, your employees, and your customers safe.

 

Additionally, you’ll need to ensure your equipment is protected, and depending on the nature of your business projects, you may want to look at contract work cover too.

 

Lots to cover but don’t worry, we’re here to help.

Understanding the risks

You may not think of tiling as a particularly risky business, and that’s probably true. However, that doesn’t mean that it’s risk free so cover is essential. Liability claims are notoriously expensive, failure to have adequate cover could well sink your business in the event of a claim.

Let’s look at the risks that need to be covered in turn.

Risks to the public

Public liability cover is the name given to the insurance that can protect your business against claims made by members of the public for your negligence. For example, imagine you’ve tiled a bathroom floor, a tile is left loose and your customer slips, injuring themselves.

That could result in a claim not just against the replacement of a tile, but rather for injury compensation and possibly lost earnings. That could be very expensive – legal fees add up too in addition to any potential compensation.

A small investment in insurance could bring significant peace of mind.

Risks to your employees

Employer’s liability cover protects you in the event that one of your employees is injured during the course of their work. Unless you’re a sole trader or your employees are all direct family members, you’re required by law to have employers’ liability cover in place.

The cover protects you against claims resulting from an injury, for example chronic back pain caused by carrying a heavy load. Alternatively, it could be illness that came about because of something that happens during their work.

Be aware too, that once you have a policy in place, it’s up to you to keep up to date with health and safety at work regulations. If not, you may not be covered.

Risks to your equipment

Taking out tilers' insurance can also cover you for the loss, damage or theft of your tools and machinery. Not only are they expensive to replace, but without your tools you can’t work – so having some insurance to to replace them quickly is very important. 

Risks on larger projects

Contract works cover may be useful if you often take on significant tiling projects. It’s there to cover work that’s in progress on a site for many problems, including fire, flood, storm, malicious damage and theft.

Say you’ve been working on a major extension project for some time, and a storm damages the new building. Without contract works insurance you could be expected to do the work again, without extra pay. A contract works policy will cover both your time and any materials and fittings.

Finding the right tiling insurance cover

As a business owner, you’ve many better ways to spend your time than arranging insurance cover. As you can see from the various types of cover, it could get complicated and time consuming.

It needn’t be. We’re here to take the hard work out of comparing tiling insurance quotes.

We’ll ask you some simple questions so we can ascertain the level of cover you need. For example, how big your business is, what tools you own, how many employees you have and whether they are manual or clerical workers

With this information, we can tailor the request for quotes to fit your individual business. Whether you’re a one-man operation or a big contracting firm we have insurance providers that could provide you with cover. If you’d like to speak to someone about your business needs, there’s a number to ring or you can request a call back.

Try it today. Compare tiling insurance quotes and get the right cover for you.

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