Kitchen & Bathroom Fitters Insurance: Quotes From $17/month

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.

Kitchen & Bathroom Liability Insurance

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 
Advertising injury coverage aggregate limit $1,000,000$1,000,000$2,000,000$1,000,000
Tenant’s legal liability coverage limit 
Waiver of subrogation included?YesNoIncludedExcluded
Hired/non-owned auto liability coverage included?YesNoExcludedExcluded
Equipment breakdown floater included?No YesYesExcluded
Can you get a certificate of insurance online?YesYesYesYes
Name additional insureds?YesYes

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

Professional Liability Insurance For  Kitchen And Bathroom  Fitters

CoverWallet (Best)NEXTThimbleHiscox
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?YesYesYesYes
Waiver of subrogation included?YesNoNoNo
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 

Compare Cheap Kitchen & Bathroom Fitters Insurance Quotes Online

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Tools And Equipment Insurance For Kitchen And Bathroom  Fitters 

NEXT (Best)ThimbleHiscox
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/$5,000No
Miscellaneous equipment also covered?YesNoNo
Offered as an endorsement to general liability insurance?YesYesYes

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. 

Commercial Auto Insurance For Kitchen And Bathroom Fitters 

NEXTNationwideLiberty 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$1,500ExcludedCan be included
Trailers can be added to commercial auto insurance?YesNoNo
Roadside assistance coverage included YesNoCan be included
Safe driving discounts included?YesYesYes

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

Commercial Property Insurance For Kitchen And Bathroom Fitters

CoverWalletNEXT (Best)ThimbleHiscox
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 signsExcluded$2,500ExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000Included
Money and securitiesExcluded$2,500$1,000Included
Lock and keys Excluded$2,500ExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000Excluded
Employee dishonesty floaterExcluded$5,000$2,500Included

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 For Kitchen And Bathroom Fitters

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

Employer's Liability Insurance For Kitchen And Bathroom Fitters 

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.

Inland Marine Insurance For Kitchen And Bathroom Fitters 

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.

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Kitchen & Bathroom Insurance Cost 

Cost per MonthCost per YearDeductible
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 MonthCost per YearBest for
NEXT$30$360Best overall; Fastest general liability insurance for kitchen and bathroom fitters
Tivly$30$360Comparing kitchen and bathroom fitters insurance quotes over the phone
CoverWallet$33$396Kitchen and bathroom fitters insurance quotes comparison online
Hiscox$35$420General liability insurance with worldwide coverage for countertop kitchen fitters
Thimble$37$444On-demand kitchen fitters insurance
Travelers$40$480Commercial auto insurance for kitchen and bathroom fitters
Nationwide$42$504Customizable kitchen and bathroom fitters insurance
Liberty Mutual$45$540Efficient claims handling

Compare Cheap Kitchen & Bathroom Fitters Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Kitchen & Bathroom Insurance Companies 

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. 


NEXT Kitchen And Bathroom Fitters Insurance 


  • 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


CoverWallet Kitchen And Bathroom Fitters Insurance


  • 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

Tivly Kitchen And Bathroom Fitters Insurance


  • 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

Thimble Kitchen Fitters Insurance


  • 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

Hiscox Kitchen Fitters Insurance


  • 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

Liberty Mutual Kitchen And Bathroom Fitters Insurance


  • 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


Travelers Kitchen And Bathroom Fitters Insurance 


  • 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

Nationwide Kitchen And Bathroom Fitters Insurance


  • 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

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