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PLASTERERS INSURANCE
Plastering is an art form. Not everyone has the patience and dedication it needs, not to mention the skill. But sometimes, even the best plasterer has a bad day where things go wrong.
Having plasterer's insurance means that when those bad days come around, you won’t need to worry about losing your livelihood to accidents, property damage and compensation claims. Instead, you can rely on your insurer to help you put things right by paying out for damages, repairs, expenses and legal fees.
That's where Rhino comes in. We offer outstanding coverage for plastering professionals. In fact, we cover so many plasterers around the UK that you could form an army! Working closely with industry professionals, we have designed the best possible insurance policies for tradesmen so that you can focus on doing your job.
PUBLIC LIABILITY INSURANCE FOR PLASTERERS
Public liability insurance is crucial for plasterers. Even as a skilled plasterer with bags of experience, you’re constantly exposed to risks and hazards on a job. Public Liability Insurance covers you in the event of a claim being made against you for causing harm – whether bodily injury, property damage or even accidental death – against a customer or member of the public.
Here's a quick summary of the cover Rhino offers:
- Starts at just £72.80 for £1million cover.
- Three levels of cover: £1million, £2million and £5million
- Excess of £500 as standard on all claims.
- Free mid-term adjustments, no admin fees.
- Interest-free monthly payment options, no Direct Debit fees.
- Can be purchased online or over the phone.
- Employers Liability Insurance add-on available.
- Instant certificates and documentation.
What's more, our plasters public liability insurance provides cover in both commercial and domestic environments.
Remember, claims against your Public Liability Insurance can be extremely high. Therefore, having the correct level of protection is vital in ensuring that you will still be covered should you face a worst-case scenario.
What insurance do plasterers need?
- Public Liability Insurance
All plasterers need Public Liability Insurance, the essential cover for third-party claims. It’s worth mentioning that many customers won’t work with a plasterer who isn’t covered by Public Liability Insurance, and many will also specify the level of cover you should have in place.
- Employer’s Liability Insurance
It’s also a must to have Employer’s Liability Insurance if you’re an employer to cover claims from staff. This should be in place from day one of being an employer, as you’ll get a fine from HMRC if you don’t have it in place (and your certificate readily available for viewing).
- Personal Accident and Income Protection Insurance
Plastering can be a job filled with hazards, so a good Personal Accident policy as well as Income Protection Insurance will cover missed income should you become too injured or ill to work. Without the safety net of sick pay to fall back on, any plasterer would need to have at least one of these in place in case they find themselves unable to work for any length of time.
- Tools in Transit and Van Insurance
As a self-employed plasterer, it’s important to protect the tools and equipment you need to work. Policies such as Tools in Transit Insurance, to cover a pricey toolkit even when being stored in the work van overnight, and Van Insurance, to protect your work vehicle, are popular policies among those in the plastering game.
- Tax Enquiry and Legal Expenses Insurance
Plasterers may also want to add policies to give them extra peace of mind, such as cover for if HMRC launch an investigation into their tax status (which unfortunately happens a lot to self-employed tradespeople) or all-round legal cover to ensure a solid legal defence if you ever need it for things like employment disputes and jury duty.
How much does plasterer’s insurance cost?
This is the million-pound question, but we can’t actually give you a definite answer here. At Rhino, our Public Liability Insurance starts at just £6.07 per month (which is £72.80 per year), but as with all insurance policies, your quote will be unique to you. This is because every business is different, and we will need to find out a couple of things about your business before we give you your personalised quote. Luckily, you can do this easily over at our quick quote engine. If you’d rather, you can call us and speak to us directly on 0115 350 1547.
WHY DO YOU NEED PLASTERERS INSURANCE?
Plastering trade insurance is a no-brainer for anyone who wants to survive long-term in such a competitive industry which is filled with hazards and pitfalls. Not only will it show your customers you’re serious about safety and are committed to putting things right if they go awry, it will completely save your bacon should you be the subject of a claim or experience an accident, theft or legal issue.
If you are still wondering which insurance for plasterers is right for you and your business or why you need it, then call our team of insurance experts now. They have years of experience with plasterers and can guide you on which cover you need.
Here at Rhino Trade Insurance, we have forged excellent relationships with tradesmen all over the UK. We have formed the best insurance policies for plasterers on the market with our partners and underwriters, offering comprehensive cover at very competitive rates. So, what are you waiting for? Give us a call or fill out our online quote now.
