Bedroom Fitter Insurance
A bedroom fitter is a skilled professional who consults their clients by advising them on building their bedroom for the most optimal space structurally. What type of furnishings would suit the room’s tone, like wardrobes and drawers and the materials they could opt for. In addition to this, they often go and buy the materials and furniture and then install them in the clients’ homes. These services could range from decorating the walls to measuring and fitting furniture and cleaning up once they are finished.
If you would like to read more information or learn more about the pricing of business insurance, you can do so here.
Types of Bedroom Fitter Insurance
Bedroom fitter insurance can provide a range of different insurance policies.
These are the most popular ones:
1. Public liability insurance
Public liability insurance protects an employee from claims made by a third party, like the client, that their work or services have harmed them. As bedroom fitters, by the nature of their occupation, have to visit their clients in their own homes and enter the premises, this leaves room for several unintentional accidents that could potentially occur.
If a bedroom fitter fixed a bedframe that consequently broke and caused injury to the person sleeping on it or fitted a shelf that then fell on their head, this would indicate that the bedroom fitter would have to pay the expenses for repairing the furnishings. They would also be liable to cover any medical treatment expenses that the injured party would need. With public liability insurance, the insurance company would pay these expenditures instead.
2. Professional indemnity insurance
Professional indemnity insurance is a way for bedroom fitters to give advice and instruction without being worried should it backfire. Frequently customers rely on the bedroom fitters to guide them in making the right choices concerning their rooms, like what type of materials they should use and which type of furniture would look best.
For instance, if the bedroom fitter were to design and measure a fixture that, when produced, does not fundamentally fit or perform its function, the client would be within their rights to sue so that the fitter would have to pay the cost of rectifying the fixture and any issues caused associated with it. Professional indemnity insurance would instead mean that the insurer has to pay these costs.
3. Tools insurance
Tools insurance is beneficial for any workers who use saws, hammers, screwdrivers, drills, and essential pieces of gear to aid them with their work. As bedroom fitters use these daily, from cutting appliances into shape to installing them on walls, they must have this insurance to protect their tools if lost or stolen. If tools were to be misplaced, stolen (on-site) or destroyed after the policy has begun, they would be repaired or replaced by the insurance company. This is especially useful as tools can be expensive to replace, and it is more cost-effective to pay a monthly premium than to replace every piece of gear should it get ruined.
4. Business car insurance
Business car insurance is recommended for those that use a company vehicle to get to customers’ homes. There are different policies available depending on how many people drive the car, the average mileage of the vehicle, the model and whether it is solely used for work purposes or both for work and personal usage, which is more expensive.
This is chosen based on the individual preferences of the bedroom fitter. Generally, comprehensive business car insurance protects against theft, damage and repairs of the vehicle in addition to damage caused to another car in traffic-related incidents or otherwise. The average business car insurance is just over £405, whilst the costs associated with accidents and repair are remarkably higher, so it is worthwhile to have this cover.
Do I Need Bedroom Fitter Insurance?
The UK government requires employers’ liability insurance if your business hires employees, with an insurance minimum of £5 million. This means that should a bedroom fitter be injured at their worksite. As a result, file a claim against the company, their medical expenses would be paid for, and lost wages whilst the party recovers from their injuries and cannot work in this period. Bedroom fitters often work in dangerous environments surrounded by many materials and tools, which is encouraged.
In conclusion, bedroom fitter insurance can be several different policies that can be chosen and combined to give optimal cover; these differ with each insurance company. When these covers are obtained, the employee is protected from any financial loss associated with the nature of their job, like medical expenses or recompensating clients for faulty work.
Read more about what kind of business insurance you need here.
Other useful links about business insurance:
Public Liability Insurance
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