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Carpet Fitter Insurance

Bespoke tradesman insurance for self-employed carpet fitters

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Cover for your business, staff, tools and equipment

Quick online quotes in less than 90 seconds

Rated 4.7 out of 5 by our customers on Feefo

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Caunce O’Hara tradesman insurance provides comprehensive cover for a range of risks faced daily by self-employed carpet fitters to cover the cost of potential mistakes and accidents.

Ever wondered what would happen if you accidentally injured someone during a job? Or how you’d cope if a job didn’t quite go as planned? Our carpet fitter insurance will protect you so you can concentrate on your job.

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What is carpet fitters insurance?

Public liability insurance is a commonly required cover for tradesmen. Our trades insurance for will cover you if someone experiences an injury or if property is damaged as a result of your carpet fitting work.

The policy will cover you for claims such as:

  • Accidents that occur in the course of your work or the work of your employees. (Note: if you employ staff you are legally required to hold employers’ liability insurance).
  • Damage caused by you or an employee to someone else’s property.
  • Injury caused to someone else by you or an employee.

We offer a range of trades insurance policies to protect carpet fitters, which enable you to build a trades insurance package that will protect your business, your staff and your equipment.


Why do carpet fitters need insurance?

Accidents occur and things can go wrong due to something that‘s beyond your control, therefore it’s important to be prepared so you can minimise the impact on your business if a claim is made against you.

Examples of why carpet fitters need insurance can include:

  • You’re cutting a customer’s living room carpet with a sharp knife and cut yourself badly which requires stitches, a tetanus jab, and a dressing around your hand rendering you unable to work for three weeks. Personal accident insurance will cover you for the cost of the claim for loss of earnings.
  • You are carrying the carpet into your customer’s home and accidentally damage a partition wall in the process which requires filling and skimming and painting. Public liability insurance will cover you for the cost of the claim to put the wall right again.

Why choose Caunce O'Hara for your insurance?

As trades insurance experts, we're your number one choice for your business protection.

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Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

Golden star
I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
Trusted Customer
Golden star
Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
Trusted Customer
Golden star
Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
Trusted Customer

Frequently asked questions about carpet fitter insurance

At Caunce O’Hara we offer the opportunity to customise your trades insurance to meet your needs, including:

Property damage – You accidentally damage a customer’s property when carrying your equipment into the premises requiring the damage to be repaired.

Injury to the general public – A passer-by sustains an injury when they trip over carpet off-cuts that have been discarded outside the premises.

Theft or damage to your tools and trade materials – Whilst fitting at a customer’s home, your van is broken into and essential tools are stolen.

If you just want basic public liability cover for potential accidents caused to third parties or third-party property damage, or if you want to cover extra incidents such as protection for your employees, work accidents, or negligence claims then we can offer insurance products that can help you with that too. We have a range of covers to suit most requirements.

Caunce O’Hara are experts for tradesman insurance. These are just a few of the reasons to choose us for your cover:

Quick online quotes

Complete our simple online quote form and get a quote in as little as 90 seconds.

Affordable protection

Our pricing is fully transparent, meaning you won’t be charged any hidden or unnecessary fees.

Platinum rated customer service

Customer service has always been at the top of Caunce O’Hara’s priorities, which is reflected in our positive Feefo feedback.

Over 25 years’ experience

We have been offering business insurance to self-employed professionals since 1995. As a result we understand the needs of self-employed business owners and contractors, which enables us to provide the cover you need.

The cost of an annual premium varies depending on your type of cover and the level of cover you need. Our trades public liability insurance for carpet fitters starts from £84.80*, which we think represents real value for money.

* Price quoted is an annual figure, inclusive of Insurance Premium Tax at the current rate, and based on a carpet fitter requiring £1million public liability insurance, with 1 employee, 5+ years trading and no claims in the last 3 years.


As well as public liability insurance, we offer a range of insurance covers for your individual circumstances, including:

  • Personal accident insurance – covers you for accidents sustained in the course of your work and can pay a lump sum or regular payments to cover loss of earnings.
  • Employers’ liability insurance (EL) – is a legal requirement if you employ staff, with a minimum of £5 million of cover to protect your employees.
  • Tools insurance – available with our public liability insurance policy, provides cover from £1,000 to £5,000 for the replacement of your lost, damaged or stolen tools.
  • Good in transit insurance – provides cover for your goods against theft, loss or damage while they are being transported in your own vehicle, or on your behalf by a third-party carrier. The policy can cover theft of items whilst in transit; damage caused by an accident during transit; loss of items during transit; and damage caused to items during transit.
  • Plant insurance (PI) – we offer cover for both hired-in and owned plant equipment. Plant insurance can cover the costs incurred for ongoing lease hire for hired-in plant while the hired plant is being replaced, recovered or repaired, and can cover the cost of repairing or replacing owned plant following theft, loss or damage (accidental or malicious) to your equipment.
  • Contract works insurance – cover for costs incurred in having to re-do work that is part of a contract, including the cost of the tools, materials and the labour, should the existing work be destroyed by fire, flood, or theft.
  • Professional indemnity insurance (PI) – covers professionals who give advice, provide designs or other professional services to customers and covers allegations of negligent work.

The excess is the amount you pay towards a claim you make on your insurance policy. For example, if you make a claim for £1,000 for stolen tools and your excess is £200, then your payout will be £800.

Insurance policyLowest excessHighest excess
Public liability insurance£250£250
Employers’ liability insurance£0£0
Tools & trade materials cover (can only be purchased with the public liability policy)£250£250
Personal accident insurance£0£0
Professional indemnity insurance£250£500

Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ, or affect the price.


Contact us

Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today