Running a kitchen and bathroom fitting business, even a one-person shop, comes with a certain level of risk and liabilities. Specifically, by virtue of going in and out of your client's property, working on-site, and liaising with subcontractors, things are likely to go wrong at some point.
Accidents can happen while you’re installing kitchen and bathroom fittings. This can result in bodily injuries or property damage. You need insurance just like siding installers and door installers
The best protection is kitchen and bathroom fitters insurance. This provides you with an extra sense of security. Also, having insurance might be a requirement for big projects. Here are the policies that you need.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $1,000,000 | $100,000 | $100,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | Included | Excluded |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Excluded |
| Equipment breakdown floater included? | No | Yes | Yes | Excluded |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 |
In today's litigious environment, the cost of claims to you and your business can be significant.
As such, you need general liability insurance as a shield against claims for bodily injury or property damage. About 100% of bathroom and kitchen fitters purchase a general liability policy.
Kitchen & bathroom liability insurance is the first line of defense against the most problematic situations you’ll face. Use the table above to compare the quotes of general liability insurance for kitchen & bathroom fitters.
This can help if you drop a countertop or sink and damage the client’s floor.
You can also use general liability insurance if an independent tradesman you hired gets electrocuted, sustains cuts or burns, or gets his foot crushed by a heavy object.
If you’re working in a residential space and you left the tools to take a break and a child plays on them and sustains injuries, general liability insurance can help you settle or compensate the parents.
With kitchen and bathroom fitters' liability insurance, you are less vulnerable. You do not have to be responsible for paying damages out of pocket. This will provide the money you can use to cover:
Medical treatments
Reimbursements for damaged properties
Attorney fees, court filing fees, and other defense costs
Court judgments
Note that similar to the general liability policy included in alarm installer insurance and fence installer insurance, the general liability policy of bathroom & kitchen fitters insurance comes with add-ons such as:
Products and completed operations coverage
Hired/non-owned auto liability coverage
Personal and advertising injury coverage
Tools and equipment coverage
| CoverWallet (Best) | NEXT | Thimble | Hiscox | |
|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $10,000/$25,000 | $1,000,000/$2,000,000 | $250,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $20,000/$50,000 | $1,000,000/$2,000,000 | $250,000/$2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | No | No |
| Deductible | $500 | $500 | $500 | $500 |
Clients can file a claim if the fixtures you recommended to be bought and installed in the kitchen or bathroom don't work as they should. You might also have liability over the errors and wrongful acts of employees.
It’s smart to purchase a professional liability policy, just like what drywall installers, cabinet makers, and HVAC installers do. You can take a look at the quotes for professional liability insurance in the table above.
Professional liability insurance helps you take care of costs if clients blame your services for their financial losses. Common exposures that this kitchen and bathroom installers insurance coverage takes care of are:
Inaccurate advice
Negligence
Misrepresentation
Violation of good faith
Violation of fair dealing
Get all the best quotes from leading providers in a click of a button!
| NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|
| Aggregate limit | $5,000/$10,000 | $2,500/$5,000 | $5,000/$25,000 |
| Covers hired and borrowed equipment? | $5,000/$10,000 | $2,500/$5,000 | No |
| Miscellaneous equipment also covered? | Yes | No | No |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 |
Don't risk being unable to install fixtures and other accessories for a kitchen or bathroom because your tools were damaged or lost.
You need to get a tool and equipment insurance policy. Use the table above to look at the features of tools and equipment insurance from different underwriters.
Tools and equipment insurance covers the replacement or repair costs if drills, tapes, hammers, lasers, rail saws, router kits, and others get lost or damaged because of:
Fire
Theft
Vandalism
Malicious mischief
Impact
Operator error
Mysterious disappearance
Insurance companies that sell bathroom and kitchen fitter insurance online offer tools and equipment insurance as part of general liability insurance or commercial property insurance.
| NEXT | Nationwide | Liberty Mutual | |
|---|---|---|---|
| Auto liability bodily injury coverage aggregate limit (minimum) | $25,000 per injury$50,000 per accident | $300,000 | $25,000 per injury$50,000 per accident |
| Auto liability property damage aggregate limit (minimum) | $15,000 | $300,000 | $25,000 per accident |
| Uninsured/underinsured motorist coverage limit | $25,000 per injury $50,000 per accident | $300,000 | $25,000 per person$50,000 per accident |
| Rental reimbursement coverage aggregate limit | $1,500 | Excluded | Can be included |
| Trailers can be added to commercial auto insurance? | Yes | No | No |
| Roadside assistance coverage included | Yes | No | Can be included |
| Safe driving discounts included? | Yes | Yes | Yes |
You need a commercial vehicle to transport your inventory, tools, or employees to and from a job site. Get commercial auto insurance because about 32% of kitchen and bathroom fitters purchase this.
Vehicle ownership comes with underlying problems such as accidents and breakdowns.Commercial auto insurance does the following if something unfortunate happens while you’re car is being used for business purposes:
Cover the medical treatment or property damage of third parties that get involved in an accident your commercial vehicle caused
Take care of expenses if you need to repair your commercial vehicle because it got damaged in a collision, fire, theft, vandalism, weather, and other covered perils
Cover the medical treatment of the driver and passengers if your commercial vehicle gets involved in an accident caused by an uninsured/underinsured vehicle
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $110,000 | $25,000/$500,000 | $15,000 |
| Contents coverage limit (minimum) | $50,000 | $15,000 | $25,000/$500,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included |
Commercial property insurance is a coverage for an office, warehouse, or any other commercial space that you own or lease for your bathroom and kitchen fitting business. Use the table above to compare the quotes of commercial property insurance.
This insurance reimburses your losses if your office or warehouse gets destroyed or damaged by fire, theft, vandalism, and other covered perils.
Commercial property insurance doesn’t only cover your warehouse or office but also the equipment and other valuables inside such as money, documents, furniture, and inventory.
You can bundle commercial property and general liability insurance in a business owner’s policy. About 79% of bathroom and kitchen fitters do this.
Workers' compensation insurance is handy if you’re a bathroom and kitchen fitter working with one or more employees.
If an employee falls from a height, gets burned, gets cut by defective equipment, or develops a disease while working, workers' compensation insurance will cover the costs.
This insurance does a lot for you. By claiming workers' compensation insurance, you can provide benefits and cover these costs on an employee’s behalf:
Medical treatment
Hospitalization
Medication
Rehabilitation and retraining
Lost wages
Funeral expenses and allowance to dependents in case of death
If one of your employees gets hurt while on the job, they might sue your business for negligence or failure to provide a safe work environment. Your employer's liability policy will step in to cover the cost of the lawsuit.
It is prudent to mention that most providers will offer an employer's liability insurance as part of a workers' compensation policy.
You will often be moving inventory and tools from your warehouse to the client's property. To protect these from theft, damage, or vandalism while on the road, consider purchasing inland marine insurance. If such perils happen, inland marine insurance will reimburse your losses.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $38 | $456 | $0-$500 |
| Professional liability insurance | $47 | $564 | $500-$1,000 |
| Commercial property insurance | $44.08 | $528.96 | $1,000-$1,500 |
| Workers compensation insurance | $60.25 | $723.00 | $2,000-$5,000 |
| Commercial auto insurance | $63.08 | $756.96 | $500-$1,500 |
| Business owner’s policy | $42 | $504 | $500-$1,000 |
The average kitchen & bathroom insurance cost is $38 per month or $456 per year for a $1 million general liability policy. This assumes that you’re a kitchen and bathroom fitter with 5 employees and have an annual revenue of $500,000-$750,000. The following factors determine the cost of premiums:
Types of fittings you install
The size of your business, as well as your annual revenue
History of claims
Amount of coverage purchased
Location of your business
You might also want to know the cost of bathroom and kitchen fitters insurance from the best companies. Here’s a table that shows you this:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $30 | $360 | Best overall; Fastest general liability insurance for kitchen and bathroom fitters |
| Tivly | $30 | $360 | Comparing kitchen and bathroom fitters insurance quotes over the phone |
| CoverWallet | $33 | $396 | Kitchen and bathroom fitters insurance quotes comparison online |
| Hiscox | $35 | $420 | General liability insurance with worldwide coverage for countertop kitchen fitters |
| Thimble | $37 | $444 | On-demand kitchen fitters insurance |
| Travelers | $40 | $480 | Commercial auto insurance for kitchen and bathroom fitters |
| Nationwide | $42 | $504 | Customizable kitchen and bathroom fitters insurance |
| Liberty Mutual | $45 | $540 | Efficient claims handling |
Get all the best quotes from leading providers in a click of a button!
Based on our findings, the following are the best kitchen & bathroom insurance companies. Read to know their pros, cons, and cost of a $1 million general liability insurance. We also included interlinks to these companies’ information pages where you can view first-hand comments of existing customers and get a quote.
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for bathroom and kitchen fitters
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount
Couldn’t find any
If you are just starting out or working with a limited budget, NEXT is the insurer for you. You can purchase coverage instantly, all done online. Note that NEXT works with Tivly to give the policies for your kitchen and bathroom fitting business.
Policies you can get are general liability, workers compensation, commercial auto, professional liability insurance, and more. Consider buying two or more policies from NEXT to enjoy a 10% discount.
Best for: Best overall; Fastest general liability insurance for kitchen and bathroom fitters
Average cost: $30 per month
Our rating: 10/10
Cancel your coverage without any charges
Easy online policy management
Compare quotes online for free
No hidden charges
Not an insurance company but an insurance broker
As a kitchen and bathroom fitter, you can get a $1 million general liability insurance, $1 million professional liability insurance, and $50,000 commercial property insurance from CoverWallet. Other insurance products available are workers' compensation, commercial auto, and employer’s liability insurance.
To get covered, you have to use CoverWallet’s online quotes comparison tool to get the quotes for the policies it sells on behalf of partners. You can then decide to purchase online or seek the help of an agent to get insured.
Best for: Kitchen and bathroom fitters insurance quotes comparison online
Average cost: $33 per month
Our rating: 10/10
A partner of NEXT, Liberty Mutual, and other reputable companies
Responsive customer service
Call and compare quotes over the phone
You need to call to get a quote
Tivly (formerly CommercialInsurance.NET) offers general liability insurance, commercial property insurance, professional liability insurance, workers' compensation insurance, and other policies for kitchen and bathroom fitters. Tivly’s coverage is available via NEXT and Liberty Mutual.
Tivly insures you with one of its representatives. The representative will talk about coverage options and customize limits and deductibles based on your needs. That said, call Tivly now and compare kitchen and bathroom fitters insurance quotes over the phone.
Best for: Comparing kitchen and bathroom fitters insurance quotes over the phone
Average cost: $30 per month
Our rating: 10/10
Numerous add-ons to general liability insurance
On-demand coverage
General liability insurance available as a short-term policy
Quick to issue and estimate of your rates
You can’t reach customer service by calling
Thimble only covers kitchen fitters, specifically those specializing in countertop work. Insurance products that this company underwrites are general liability insurance, workers' compensation insurance, and commercial property insurance. Thimble allows you to bundle commercial property and general liability insurance in a BOP.
You can also get short-term general liability insurance from Thimble. This lasts for hours, days, weeks, or months. Thimble’s short-term general liability insurance is also available from Hiscox.
Best for: On-demand kitchen fitters insurance
Average cost: $37 per month
Our rating: 9/10
Automatic policy renewal
14-day money back guarantee
Upgradeable general liability insurance
Sells the short-term general liability insurance of Thimble
Add-ons aren’t automatically added to general liability insurance for free
Hiscox, just like Thimble, only covers kitchen fitters that specialize in counter top work. Also, it only offers a general liability policy.
Hiscox’s general liability policy is upgradeable and you can add optional policies to it. Moreover, it provides worldwide coverage so you’re covered when working abroad.
Other business insurance such as commercial auto and workers compensation are available if you’re willing to get quotes from Hiscox’s partner, Cyber Policy.
Best for: General liability insurance with worldwide coverage for countertop kitchen fitters
Average cost: $35 per month
Our rating: 9/10
A dedicated service team made up of specialty attorneys, and claims professionals is available to policyholders
International coverage
Customer care is available both online and via the phone
Flexible payment terms
Customizable coverage
Policyholders looking for commercial auto coverage for their kitchen or bathroom fitting business might find the policy's customer rating significantly wanting
Established in 1912, Liberty Mutual has since written over $12.7 billion direct premiums. It has the experience and financial muscle to handle any claims brought forth against your business.
Whether you are involved in owner-controlled projects, contractor-controlled projects, or joint ventures, you will be sufficiently covered by Liberty Mutual. These are the policies you can get from this company.
Workers' compensation
Tools and equipment coverage
General liability
Professional indemnity policy
Commercial auto policy
Best for: Efficient claims handling
Average cost: $45 per month
Our rating: 9/10
Coverage in all states, including Washington, DC
Stellar customer rating
A massive network of agents which includes over 13,000 independent agents nationwide
24/7 claims reporting
Easy claims handling
Doesn’t issue a quote online
Policies tailored to the needs of large kitchen and bathroom fitting businesses
If you are just starting out as a kitchen or bathroom fitter, you must consider working with Travelers. The carrier has extensive experience, having started its specialty insurance offering in 1899. You can count on your business to be well catered to, since Travelers boasts a strong financial standing and has stellar customer reviews. You can get the following policies from this company:
Workers' compensation policy
General liability coverage
Commercial property insurance
Commercial truck and auto coverage
Excess liability coverage
Best for: Commercial auto insurance for kitchen and bathroom fitters
Average cost: $40 per month
Our rating: 8/10
Multi-policy discounts and auto insurance discounts
Fast and convenient claims handling online
Policyholders have access to a 24/7 emergency hotline
File a claim anytime
Nationwide’s online quotation platform can be unresponsive and become inconvenient
Nationwide was founded in 1926 with its current offerings, including kitchen and bathroom fitters insurance.
You can get general liability, professional liability, and workers' compensation insurance from this company. Nationwide doesn’t sell stand-alone commercial property insurance, as you need to get property coverage together with general liability insurance in a business owner’s policy.
Best for: Customizable kitchen and bathroom fitters insurance
Average cost: $42
Our rating: 7/10
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
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