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Kitchen Fitters
Specialist Trade Insurance

Insurance for Kitchen Fitters

Comprehensive insurance for kitchen fitting and installation contractors. Whether you are fitting domestic kitchens, commercial catering kitchens, or bespoke joinery units, we arrange cover that reflects the specific risks of your trade.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf from a panel of insurers. Policy terms, conditions, and exclusions apply.

Insurance Solutions for Kitchen Fitters

We arrange a range of insurance products tailored to the specific needs of your trade.

Public Liability Insurance

Essential cover for claims from clients or third parties for injury or property damage arising from your kitchen fitting work.

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Contract Works Insurance

Cover for the kitchen installation itself while in progress — protecting materials, units, and appliances against damage or theft on site.

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Professional Indemnity

Protection against claims arising from design errors, incorrect measurements, or failure to meet client specifications.

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Employers' Liability

Legally required cover if you employ staff or engage workers on your kitchen fitting projects.

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Tools & Equipment Cover

Protection for your power tools, hand tools, and specialist fitting equipment against theft and accidental damage.

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Commercial Vehicle Insurance

Cover for your van and the units, appliances, and tools you carry to and from site.

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Understanding Your Risks

Every trade has unique exposures. Here are the key risks we help kitchen fitters protect against.

1

Damage to Client Property

Accidental damage to existing flooring, walls, plumbing, or adjacent rooms during installation is one of the most common claims for kitchen fitters.

2

Water Damage from Plumbing Connections

Incorrectly fitted plumbing connections can cause significant water damage. Liability cover is essential for any kitchen fitter connecting to water supplies.

3

Theft of Units and Appliances on Site

Kitchens represent significant material value. Contract works cover protects units and appliances stored on site before installation is complete.

4

Gas and Electrical Work

If your work involves gas connections or electrical installations, additional cover and Gas Safe / NICEIC registration may be required.

5

Measurement and Design Errors

Incorrect measurements or design errors that result in units not fitting or requiring replacement can lead to costly claims.

6

Tool Theft from Vehicles

Kitchen fitters carry high-value power tools. Specialist tool cover protects your equipment when stored in your van overnight.

Why Choose Specialist Trade Insurance?

Generic business insurance often leaves gaps in cover for trade-specific risks. Specialist policies are designed with your profession in mind.

  • Cover for domestic and commercial kitchen installations
  • Contract works protection for materials and units on site
  • Products liability for appliances and units supplied
  • Tools in transit and on-site cover included
  • Cover for plumbing connections and electrical first fix
  • Protection for bespoke joinery and fitted furniture

Information for Your Quote

  • 1
    Business name and trading address
  • 2
    Number of employees and subcontractors
  • 3
    Annual turnover
  • 4
    Types of work undertaken (domestic, commercial, bespoke joinery)
  • 5
    Do you carry out gas or electrical connections?
  • 6
    Maximum single contract value
  • 7
    Claims history for the past 5 years
  • 8
    Value of tools and equipment
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Frequently Asked Questions

Do I need public liability insurance as a kitchen fitter?
Yes. Kitchen fitting involves working in occupied homes and commercial premises. Public liability insurance covers claims from clients or third parties for injury or property damage caused during your work. Many contractors and main contractors will require evidence of cover before allowing you on site.
What is contract works insurance for kitchen fitters?
Contract works insurance (also called contractors all risks) covers the kitchen installation itself while work is in progress — including damage to materials, units, and appliances before the job is complete. It protects against fire, flood, theft, and accidental damage on site.
Am I covered if I damage a client's existing kitchen or plumbing?
Accidental damage to existing property is typically covered under your public liability policy. If you accidentally damage existing plumbing, flooring, or adjacent units during installation, your insurer would cover the cost of repair or replacement subject to your policy terms.
Do I need employers' liability insurance if I use subcontractors?
If you engage subcontractors who are not genuinely self-employed, they may be treated as workers for insurance purposes, requiring employers' liability cover. We will discuss your working arrangements to ensure your policy is structured correctly.
Can I get cover for kitchen appliances I supply and install?
Yes. Products liability cover protects you if an appliance or unit you have supplied and installed causes injury or damage after completion. This is particularly relevant for gas appliances, electrical connections, and integrated appliances.

Insurance for Other Trades

CarpentersPlumbersElectriciansBathroom FittersBuildersTilers

Insurance for Kitchen Fitting Contractors

Kitchen fitting is a trade that combines carpentry, plumbing, electrical work, and project management in a single contract. The risks are correspondingly varied — from accidental damage to client property during installation, to water damage from plumbing connections, to theft of high-value units and appliances stored on site. A specialist kitchen fitters insurance policy is designed to address these specific exposures rather than relying on a generic tradesman policy.

Public liability insurance is the foundation of any kitchen fitter's cover. Working in occupied homes and commercial kitchens means that the potential for third-party claims is significant. Contract works insurance adds protection for the installation itself while in progress, covering materials, units, and appliances against damage, theft, or fire before the job is handed over. For kitchen fitters who supply and install appliances, products liability cover is also essential.

Focus Insurance works with insurers who understand the kitchen fitting trade. We can arrange cover for sole traders, small fitting businesses, and larger installation contractors. If your work includes gas connections or electrical first fix, we will ensure that your policy reflects these activities correctly. Our brokers will discuss your business in detail before approaching the market, so that your cover is tailored to your actual work rather than a broad trade classification.

Ready to Protect Your Business?

Get in touch with our team for a no-obligation quote tailored to your trade.

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