Are you a carpet fitter? Do you work for yourself? If the answer to both those questions is yes, put down whatever you’re doing and keep reading. Your business will thank you for it.
Carpet Fitters Insurance is designed to protect self-employed carpet fitting professionals from the range of risks and liabilities they face in the job. Specialised insurance is essential for tradesmen and women in the carpet fitting industry, as there are several areas where you’re vulnerable to financial losses.
For example, if you injure someone while working. From causing a fractured little toe to accidental death – the blame will fall on you and your business and there are going to be significant costs associated with making things right. That’s why you need Carpet Fitters Insurance – your invisible safeguard.
Carpet fitting is a rewarding job, but it comes with risks. Here are a few:
Carpet fitting is a very physical trade – we are sure you’ve got a scar or two to attest to that. There are several common physical risks and hazards associated with carpet fitting, such as lifting heavy rolls of carpet, using sharp tools, and working in close environments. We won’t list the grisly injuries you could sustain, you probably know about these already from time-served colleagues in the trade. Suffice to say, you face more physical risk than most people in their jobs.
So much can go wrong during fitting services that can cause accidental property damage, including damage to floors, walls, or fixtures. No matter how skilled you are, there will always be a nick to a skirting board or a chip in the wallpaper that comes back to bite you.
You might not immediately consider the legal risks associated with being a self-employed carpet fitter. However, legal claims may come your way for a variety of different reasons, from contract disputes, employment tribunals, tax enquiries and criminal investigations. When you’re self-employed, you must face these things alone and finance your legal advice single-handedly.
Here are our top picks for policies to add to your carpet fitting business coverage bundle with trade insurance experts Rhino.
Public Liability Insurance will cover any damages or injuries you may cause to third parties or their property during your carpet fitting activities. In simple terms, this means that if a customer (or passer-by) trips over a loose wire, stands on a stray tack strip or feels funny from adhesive fumes, they can make a compensation claim against your business. But if you have carpet fitter liability insurance then you can relax – it will pay out on your behalf.
Public Liability Insurance doesn’t just cover personal injuries. It covers property damage, too. Just put ‘carpet fitter damage’ into your favourite search engine and see how many people are seeking advice on how to get carpet fitters to pay up for everything from damaged skirting boards to a lingering smell of glue. Don’t live in fear of unhappy customers, just get Public Liability Insurance and continue to deliver your high-quality work.
If you’ve got other people working for you, then you should already know about Employer’s Liability Insurance. It’s legally required in the UK as soon as you bring in your first staff member – including temps and apprentices. Employer’s Liability Insurance will protect your business financially from claims made against you by employees for work-related injuries or illnesses, as it will pay out on your behalf when such a claim is made.
If you’re thinking of expanding in the near future and bringing in staff, it’s a good idea to get your Employer’s Liability Insurance sorted before their first day. Otherwise, HMRC may slap you with a £2,500 per day fine.
You’re working with your whole body as you fit a carpet, and handling some sharp hazardous tools into the bargain. That’s why Personal Accident Insurance is a bit of a no-brainer for carpet fitters, as if you were to get injured while working (or even during your leisure time), you’d lose income. Personal Accident Insurance will give you a lump sum payout of up to £50,000 to help smooth the path for your recovery.
Income Protection Insurance is similar to Personal Accident Insurance. If you are hurt and can’t fit carpets for a time, then this low-cost insurance policy will step up and give you a monthly payout of up to £2,500. You can take this policy out instead of, or alongside Personal Accident Insurance for ultimate protection and peace of mind.
With Rhino’s Legal Expenses Insurance, you will get access to a legal helpline and expert legal representation in your corner to help you tackle any legal problem that may come your way. Rhino’s Legal Expenses Insurance policy covers you up to £50,000 per year and gives you access to a premium legal helpline so expert advice is just a phonecall away,
From your shears to your knee kickers, you rely on your tools to get the job done. Should something happen to them, you’d be unable to take on jobs until they were replaced. Unfortunately, tool theft is a major issue in the UK these days, with tools getting nicked left, right and centre. But you don’t need to panic with Tools and Equipment Insurance – for a small monthly fee you can rest assured that if your tools are lost, stolen or damaged then you will have a shiny new set in no time.
Let’s look at some of the key benefits of Carpet Fitters Insurance:
Carpet Fitters Insurance provides financial security to self-employed tradespeople who, without insurance, would need to pay out of pocket for every little mishap. Therefore, probably the number one benefit of having insurance is that it will protect you financially from the cost of claims and damages. It’s all too easy to become the subject of a compensation claim or need a little financial help if you’re injured, so having robust insurance will be your safety net at times like this.
Surprisingly, most types of insurance are not legally required. The exception is Employer’s Liability Insurance, which is compulsory if you have staff. However, most customers will want to know you’re insured if they book you for a job, and every single company or government entity you work for will need to see proof of insurance. Usually, a basic contract has a stipulation for Public Liability Insurance at the very least, so be sure to check your contracts carefully.
Holding Carpet Fitters Insurance helps your customers recognise that you’re a tradesperson who takes safety and your responsibility to customers seriously. An uninsured tradesperson who leaves a customer unsatisfied is likely to be shouted about on social media – and not in a good way! Being able to advertise a ‘fully insured’ status enhances business credibility and can help you attract new customers and secure big contracts. Customers will rest assured that if something unexpected happens during a job, a quick call to your insurer will be able to smooth things over and put things right financially.
The guys and girls at Rhino HQ are the very best people to help you select, purchase and maintain your Carpet Fitters Insurance. We deal with tradesmen insurance every single day, and we speak your language!
Here are some top reasons to choose us:
Instead of being lumped with an inflexible policy that might not adequately meet your business needs, all Rhino’s policies are customisable. That means that you can add and remove policies as you require, and adjust the cover limits to suit your business.
We understand the risks and liabilities carpet fitters face. As a result, we ensure that all aspects of a carpet fitter’s business are covered. From Public Liability to Legal Expenses Insurance and Tool Insurance, we’ve got you covered.
Rhino’s customers are always delighted by our quotes which are fair and don’t contain sneaky hidden charges. You can pay monthly at no extra cost, making quality coverage affordable for all fitters.
At Rhino we’re known for our excellent customer service, which is often remarked on in our reviews. We have over 3,000 5-star reviews and counting from verified customers, so check out what people have to say about out service:
“Very competitive prices which have been held , unlike other insurance providers . Easy to deal with over the phone to get my insurance renewed with little fuss.” - MD T
“This will be my fourth year continuing on with Rhino and I’m more than happy with them. Always a very competitive price and great insurance products. I had the pleasure of dealing with Liam today who was friendly, informative and courteous!” - RJH
“Patrick was very helpful and explained everything I needed to know couldn’t recommend better customer service!!” - SIWC
“After searching for a quote online, Rhino called me up to see if they could provide a more competitive price - which they did. Ben was friendly and informative, and the whole process was easy to follow.” – Cosham’s P
In this guide, we'll delve into the risks shopfitters face, explore the types of insurance that can offer protection and explain why many shopfitters trust Rhino Trade Insurance with their business needs.
Are you a carpet fitter? Do you work for yourself? If the answer to both those questions is yes, put down whatever you’re doing and keep reading. Your business will thank you for it.
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