Plasterer insurance
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Protect your business with plasterer insurance from Trade Direct Insurance. Whether you work on domestic renovations, commercial fit-outs or rendering projects, the right cover can help support your business finances if an insured event leads to a claim.
Plasterer insurance explained
Plastering businesses face a range of risks every day. From working in occupied properties and construction sites to handling specialist tools and materials, no two projects are exactly the same.
Plasterer insurance brings together different types of cover that can help support your business finances if an insured event results in a claim.
Public liability insurance
Public liability insurance can be a common type of cover chosen by plastering businesses. It can provide protection if a third party claims they have suffered injury or damage to their property because of your work.
Examples may include:
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A visitor tripping over equipment or materials.
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A tool damaging surrounding third-party property.
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Accidental damage to nearby fixtures and fittings.
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Injury claims arising from plastering activities.
Cover is available across all plasterer insurance packages, up to £5 million.
Employers’ liability insurance
If you employ staff, employers' liability insurance may be required by law in certain circumstances. It can provide protection if an employee suffers an injury or illness connected to their work and brings a claim against the business.
Employers' liability insurance is available across all plasterer insurance packages and can be added where required. Cover is available up to £10 million.
Professional indemnity insurance
Professional indemnity insurance can provide protection if a customer alleges your business caused them financial loss through professional advice or recommendations.
Professional indemnity cover is included within Classic and Plus policies.
Cover is available up to £100,000.
Tools cover
Plasterers rely on specialist tools and equipment to carry out their work. From mixers and power tools to portable equipment used on site, replacing essential items can be costly.
Cover can apply to handheld powered and non-powered portable tools, as well as laptops and tablets used for business purposes, subject to policy terms and conditions.
Tools cover starts at £1,000 and can be increased up to £15,000.
Temporary total disablement benefit
Available within Plus policies, Temporary Total Disablement Benefit can provide up to £600 per week if an insured person is unable to work due to a covered injury, subject to policy terms and conditions.
Why plasterers need insurance
As a plasterer, you may often work in homes, commercial properties, renovation projects and active construction sites. Working around customers, contractors and other trades can create risks that are difficult to predict.
Materials, equipment and tools are regularly moved around busy work areas. Accidental damage can occur, injuries can happen and allegations of financial loss may arise.
Public liability insurance for plasterers can protect your business from unforeseen costs if an insured event results in a claim. When building your policy, you can also choose additional cover for employees, tools, professional services and loss of income following certain injuries.
Whether you're carrying out internal plastering, skimming, rendering or repair work, having the right insurance in place can help keep your business moving.
Common risks faced by plasterers
Plasterers face a different set of challenges to many other trades. Working around customers, materials, tools and unfinished building work can all create potential risks.
Here are some situations where plasterer insurance may provide protection.
1. Damage to surrounding fixtures and fittings
While carrying out plastering work, a tool, ladder or piece of equipment accidentally damages nearby fixtures, fittings or other third-party property.
Public liability insurance may provide protection against claims involving accidental damage to third-party property.
2. A visitor trips over equipment
Buckets, tools, materials and extension leads can create hazards around a work area.
If a visitor or member of the public trips and suffers an injury, public liability insurance may provide protection against claims involving third-party injury.
3. Theft of tools and equipment
As a plasterer, you'll often transport valuable tools and equipment between jobs.
Tools cover can help support replacement costs if insured tools or equipment are stolen from a locked vehicle, subject to policy terms and conditions.
4. Employee injury
If your plastering business employs staff, employers' liability insurance may provide protection if an employee suffers an injury and brings a claim.
Up to £10 million of employers' liability cover is available to add across our plasterer insurance packages.
5. A customer alleges financial loss
A customer may claim your work caused them financial loss.
Up to £100,000 of Third Party Financial Loss cover is included as standard across all of our plasterer insurance packages.
What plasterer insurance can and can't cover
Understanding what is and isn't covered can help you decide which level of plasterer insurance is suitable for your business.
What can be covered
✔ Public liability insurance up to £5 million
✔ Injury to third parties arising from your work
✔ Accidental damage to third-party property
✔ Legal defence costs that may be covered under the policy following an insured claim
✔ Third Party Financial Loss cover up to £100,000
✔ Professional indemnity cover up to £100,000
✔ Tools cover from £1,000 up to £15,000
✔ Employers' liability insurance up to £10 million
✔ Temporary Total Disablement Benefit up to £600 per week
✔ Capital Death Benefit
What can’t be covered
✘ Deliberate damage
✘ Wear and tear to tools and equipment
✘ Mechanical breakdown of equipment
✘ Work carried out before your policy start date
✘ Activities not declared within your policy
✘ Items or equipment not covered by your policy
Who is plasterer insurance for?
We provide business insurance for plasterers across a wide range of business structures.
These include:
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Self-employed plasterers
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Domestic plasterers
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Commercial plasterers
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Rendering contractors
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Dry lining contractors
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Internal plastering specialists
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External rendering specialists
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Partnerships
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Limited companies
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Limited liability partnerships
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Plastering businesses with employees
Cover is available for businesses with up to 15 employees and turnover up to £3 million.
Your plasterer insurance cover options
From small domestic repairs to larger refurbishment and construction projects, plasterers can face a range of risks. We provide a range of cover options designed for sole traders and businesses with up to 15 employees.
Essentials
The plasterer insurance Essentials package focuses on core liability protection, combining public liability insurance with third party financial loss cover.
✔ Public Liability insurance up to £5 million
✔ Third Party Financial Loss £100,000
✔ Employers' Liability insurance £10 million available
Ideal for: Self-employed plasterers and businesses looking for core liability cover.
Classic
For plasterers looking to protect more than just their liability exposure, Classic adds cover for professional advice and tools.
✔ 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: Plastering businesses that rely on specialist equipment and want additional cover beyond core liability protection.
Also includes: Price Freeze (2 years, T&Cs apply)
Plus
Plus includes everything available under Classic and adds temporary total disablement benefit, helping support business finances if a covered injury prevents an insured person from working.
✔ 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: Sole traders and plastering businesses looking for comprehensive cover across multiple areas of their business.
Also includes: Price Freeze (2 years, T&Cs apply)
Optional extras for plasterers
Depending on the projects you undertake, you may wish to extend your cover with a range of additional policy options.
Optional extras include:
Contract works
Hired-in plant
Stock in transit cover
Jury service cover
Owned plant
These covers are not included as standard and must be added to your policy if required.
Fixed Price, Fixed Peace of Mind
Lock in your insurance price for two full years with Trade Direct’s Price Freeze with our Classic and Plus policies.
Whether you're a builder, plumber, electrician or decorator, we know your work load can be unpredictable - your insurance price shouldn’t be.
How much plasterer insurance do you need?
Every plastering business operates differently, so the level of cover selected will depend on the nature of your work and the risks involved.
Factors that may affect your insurance requirements include:
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Whether you work alone or employ staff
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The value of your tools and equipment
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The size and complexity of the projects you undertake
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Whether you specialise in domestic or commercial plastering
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Any contractual insurance requirements
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Optional covers selected
How to get a plastering insurance quote
Arranging plasterer insurance online only takes a few steps.
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Tell us about your business, including the plastering services you provide and the type of projects you work on.
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Choose the level of cover that best reflects the needs of your business.
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Review your quote and complete your purchase online.
Once your cover is in place, you'll be able to access your policy documents online.
Cover begins from the date you select when taking out your policy, not from the date of purchase or when a project starts.
Plasterer insurance FAQs
Related insurance for plasterers
Van Insurance
Whether you're transporting materials, equipment or tools between projects, your van plays an important role in keeping your plastering business running.
Tools Insurance
From hand tools like trowels and sanders to other specialist equipment, plasterers rely on their tools every day.
Tools insurance can provide cover for insured tools and equipment up to £15,000, helping support replacement costs if covered items are lost, stolen or damaged.
Painters & decorators insurance
Many plasterers work alongside painters and decorators as part of wider renovation and refurbishment projects.
Trade Direct Insurance offers dedicated insurance designed for painters and decorators, including public liability insurance and additional cover options.
Get your plasterer insurance quote today
From skimming and rendering to refurbishment and repair work, Trade Direct Insurance offers insurance designed around the needs of plasterers and small businesses.
With cover available for sole traders and businesses with up to 15 employees, you can choose from a range of insurance options designed to support your business as it grows.
✔ Underwritten by Zurich Insurance Company Ltd.
✔ Public liability insurance up to £5 million
✔ Tools cover up to £15,000
✔ Save 10% with B&Q TradePoint
✔ UK-based expert telephone support
✔ Fast online quote experience