Kitchen fitter insurance
- Underwritten by Zurich Insurance Company Ltd.
- Rated Excellent on Trustpilot
- Save 10% with B&Q TradePoint
- Expert UK telephone support
- Fast online quote experience
Whether you fit kitchens in new-build homes, carry out full renovations or replace individual units and worktops, our kitchen fitter insurance is designed to protect your business against unforeseen costs if an insured event results in a claim.
Our insurance for kitchen fitters includes a choice of cover options for sole traders and businesses with up to 15 employees, helping you choose protection that reflects the way you work.
Kitchen fitter insurance explained
Kitchen fitting often involves working inside customers' homes, occupied properties and busy building sites. From installing cabinets and worktops to fitting sinks and appliances, you're working around valuable property while using specialist tools.
Our kitchen fitter insurance combines a range of cover options designed to protect your business against unforeseen costs if an insured event results in a claim.
Public liability insurance
Public liability insurance can protect your business if a member of the public or a customer claims they suffered an injury or damage to their property because of your work, subject to the policy terms and conditions.
We offer public liability insurance for kitchen fitter businesses with cover of up to £5 million across all our kitchen fitter insurance packages.
Employers’ liability insurance
If you employ staff, employers' liability insurance may be required by law in certain circumstances.
Employers' liability insurance is separate from public liability insurance and can provide protection if an employee suffers a work-related injury or illness and your business is found legally liable.
We offer employers' liability insurance with cover of up to £10 million across all our kitchen fitter insurance packages.
Professional indemnity insurance
If your business provides recommendations, designs or specifications as part of a kitchen installation, professional indemnity insurance can provide protection if a customer alleges those services caused them financial loss.
Professional indemnity insurance is included with our Classic and Plus policies, with cover available up to £100,000.
Tools cover
Kitchen installers rely on a wide range of tools every day, from saws and drills to laser levels and measuring equipment.
Our tools cover can protect handheld powered and non-powered portable tools, along with laptops and tablets used for business purposes, subject to the policy terms and conditions.
Tools cover starts from £1,000 and can be increased up to £15,000.
Temporary total disablement benefit
Available with our Plus policy, temporary total disablement benefit can provide an income of up to £600 per week if you are unable to work because of a covered injury.
Why kitchen fitters need insurance
Every kitchen installation is different. You could be fitting cabinets in a family home one day and completing a full refurbishment in a commercial property the next.
Working in occupied properties means you're often around customers, members of the public, and valuable fixtures and fittings. You might need to transport expensive tools between jobs or employ others to help with larger projects.
Kitchen installers insurance can protect your business against unforeseen costs if an insured event results in a claim. Depending on the cover you choose, it can also include protection for employees, professional advice, tools and equipment, and provide a weekly income through temporary total disablement benefit following a covered injury.
Whether you describe your business as a kitchen fitter or kitchen installer, we offer flexible cover designed around the way you work.
Common risks faced by kitchen installers
From measuring and cutting worktops to fitting cabinets and appliances, kitchen installation work involves a range of everyday risks.
Here are some examples where kitchen fitter insurance may provide protection:
1. Damage to a customer's property
While moving cabinets, worktops or appliances into position, you accidentally damage a customer's flooring, wall or another part of their property.
Public liability insurance may provide protection if a third party claims their property was damaged because of your work.
2. A visitor is injured
A customer or visitor trips over tools, packaging or materials left in the work area and gets injured.
Public liability insurance may provide protection against claims involving third-party injury.
3. Tools are stolen
As a kitchen fitter, you’ll likely need to carry valuable tools and equipment between jobs.
Tools cover can provide protection if insured tools are stolen from a locked vehicle, subject to the policy terms and conditions.
4. An employee is injured at work
If an employee suffers a work-related injury or illness and your business is found legally liable, employers' liability insurance may provide protection.
We offer employers' liability insurance with cover of up to £10 million.
5. A customer alleges financial loss
If a customer claims that your professional advice, recommendations or specifications caused them financial loss, professional indemnity insurance may provide protection, depending on your circumstances and the cover you choose.
What kitchen fitter insurance can and can’t cover
Understanding what's included can help you choose the level of kitchen fitter insurance that suits your business.
What can be covered
✔ Public liability insurance up to £5 million
✔ Injury to third parties arising from your work
✔ Damage to third-party property
✔ Legal defence costs where covered under the policy
✔ Third party financial loss cover up to £100,000
✔ Professional indemnity insurance up to £100,000
✔ Tools cover from £1,000 up to £15,000
✔ Employers' liability insurance up to £10 million
✔ Temporary total disablement benefit providing up to £600 per week, subject to the policy terms and conditions
✔ Capital death benefit
✔ Optional extras including contract works, owned plant, hired-in plant, stock in transit cover and jury service
What can’t be covered
✘ Deliberate damage
✘ Wear and tear to tools and equipment
✘ Mechanical breakdown of equipment
✘ Work carried out before your chosen policy start date
✘ Activities not declared within your policy
✘ Items or equipment not covered by your policy
✘ Any exclusions outlined within your policy wording
Who is kitchen fitter insurance for?
Our insurance for kitchen fitters is designed for a wide range of businesses involved in kitchen installation and refurbishment.
This includes:
-
Kitchen fitters
-
Kitchen installers
-
Self-employed kitchen fitters
-
Domestic kitchen installers
-
Commercial kitchen fitters
-
Kitchen refurbishment specialists
-
Partnerships
-
Limited companies
-
Limited liability partnerships
-
Kitchen fitting businesses with up to 15 employees
Our cover is available for businesses with up to 15 employees and an annual turnover of up to £3 million.
Your kitchen fitter insurance cover options
Whether you're replacing a single kitchen or managing complete kitchen refurbishment projects, we offer flexible cover options for businesses with up to 15 employees.
Essentials
Our kitchen installer's Essentials package includes public liability insurance and third party cover for financial loss.
✔ Public liability insurance up to £5 million
✔ Third party financial loss £100,000
✔ Employers' liability insurance £10 million available
Ideal for: Kitchen fitters and kitchen installers looking for core liability protection.
Classic
Our Classic package builds on the Essentials by offering professional indemnity cover as well as capital death benefit and tools cover.
✔ Public liability insurance up to £5 million
✔ Professional indemnity cover £100,000
✔ Third party financial loss £100,000
✔ Capital death benefit
✔ First £1,000 of tools cover (can be increased to £15,000)
✔ Employers' liability insurance £10 million available
Ideal for: Kitchen fitting businesses that want broader protection for their work, equipment and professional services.
Also includes: Price Freeze (2 years, T&Cs apply)
Plus
Our most comprehensive option, the Plus package builds on the Classic by further adding temporary total disablement benefit, which can be increased based on your needs.
✔ Public liability insurance up to £5 million
✔ Professional indemnity cover £100,000
✔ Third party financial loss £100,000
✔ Capital death benefit
✔ First £1,000 of tools cover (can be increased to £15,000)
✔ Temporary total disablement benefit up to £600 a week per person
✔ Employers' liability insurance £10 million available
Ideal for: Self-employed kitchen fitters and kitchen installation businesses looking for more comprehensive cover.
Also includes: Price Freeze (2 years, T&Cs apply)
Optional Extras
Looking for extra insurances for your building work? We have a list of optional extras to give you the cover you need:
Contract works
Hired-in plant
Stock in transit cover
Jury service cover
Owned plant
Fixed price, fixed peace of mind
Lock in your insurance price for two full years with Trade Direct Insurance’s Price Freeze on Classic and Plus policies.
Whatever your trade, work can be unpredictable. Your insurance price doesn’t have to be.
How much kitchen fitter insurance do you need?
The level of kitchen fitters’ cover you choose depends on the work your business carries out and the risks involved.
Factors that may affect your insurance requirements include:
-
Whether you work alone or employ staff
-
The value of your tools and equipment
-
The type of kitchen installation work you carry out
-
Whether you work in domestic or commercial properties
-
Any contractual insurance requirements
-
The level of cover and optional extras you choose
The cost of kitchen fitter insurance will vary from one business to another. You'll receive a personalised quote based on the information you provide.
How to get a kitchen fitter insurance quote
Getting a kitchen fitter insurance quote online is simple.
-
Tell us about your business and the kitchen fitting or kitchen installation work you carry out.
-
Choose the level of cover that suits your business.
-
Review your quote and complete your purchase online.
Once you've taken out your policy, you'll be able to access your policy documents online.
Your cover begins from the date you select when taking out your policy, not from the date your kitchen installation project starts.
Kitchen fitter insurance FAQs
Related insurance for kitchen fitters
Van insurance
Whether you're transporting kitchen units, worktops or tools between jobs, your van is an important part of your business.
We offer comprehensive, third party fire and theft and third party only van insurance.
Tools insurance
Kitchen fitters rely on specialist tools every day, from saws and routers to drills and measuring equipment.
Our tools insurance can provide cover for insured tools and equipment up to £15,000, subject to the policy terms and conditions.
Carpenters insurance
Many kitchen fitters also carry out joinery and carpentry work as part of wider installation projects.
Our carpenters insurance offers flexible cover for a wide range of woodworking trades.
Get your kitchen fitter insurance quote today
Whether you install complete kitchens, replace worktops or fit cabinets and appliances, we offer kitchen fitter insurance designed for the way you work.
Choose from three levels of cover for businesses with up to 15 employees, with options to protect your business against unforeseen costs if an insured event results in a claim.
✔ Underwritten by Zurich Insurance Co Ltd.
✔ Public liability insurance up to £5 million
✔ Tools cover up to £15,000
✔ Third party financial loss cover included
✔ Save 10% with B&Q TradePoint
✔ UK-based expert telephone support
✔ Cover for over 70 recognised trades
✔ Fast online quote experience