Plastering Contractor Public Liability Insurance
For quotes in under 5 minutes and as little as £3.99 per month
You’d be crazy not to !!!
As a Plastering Contractor, you can’t control every variable on refurb and new-build projects. Public liability insurance can provide a financial back‑stop if a client, neighbour or passer‑by alleges injury or damage caused by your work.
Why it matters: one incident involving neighbours can mean compensation, repair bills and legal costs — public liability insurance is designed to help with those outcomes.
Key cover areas
- Third‑party injury claims arising from accidents connected to your work.
- Damage to third‑party property (customer premises, neighbouring property, vehicles).
- Legal defence costs and associated expenses (subject to policy terms).
- Site access risks (materials, tools, temporary barriers, working at height).
- Claims linked to your operations while working at premises you don’t own.
Examples of claims we see
Example: you’re moving boards, trowels and mixing tools through a customer’s property and accidentally cause damage to flooring or fixtures — public liability insurance is designed for this type of third‑party property claim.
- Injury example: A passer‑by is struck by a falling tape measure or small tool while you’re working at height.
- Damage example: Wet plaster/paint overspray marks a client’s flooring and skirting, requiring replacement and redecoration.
- Another common scenario: You accidentally drill through a concealed pipe, causing a leak that damages a customer’s kitchen ceiling.
Common cover limits
Many clients and contractors ask for cover at £1m, £2m, £5m or £10m. The right limit depends on where you work, contract requirements, and the potential cost of a worst‑case claim.
What else might you need?
- Tools & Plant Cover — cover for the job in progress, materials, plant or kit (depending on the cover type).
- Contract Works Cover (For The Job In Progress) — useful if you rely on specialist equipment to work.
- Product liability — worth considering if you sell or supply products as part of your service.
- Employers’ liability — Public liability protects you against third‑party claims; if you also employ people, look at employers’ liability protection as well.
Ready to compare? Get tailored quotes for Plastering Contractor public liability cover in under 5 minutes.