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Plastering is a hands-on, in-the-property trade, and that is exactly where the insurance exposure sits. Wet plaster, water, dust and mess in someone else’s home or occupied premises, tools and materials that walk from a van overnight, part-finished work that a storm or a burst pipe can ruin, and — where you take on external rendering — a whole extra layer of specification and fire questions from underwriters. Across Trowbridge, plasterers work through a market town of retail units, professional-services offices, public-sector buildings, light-industrial premises and live construction sites. Apex arranges cover that reflects how the trade actually works, placed by a named broker who will present your risk properly to insurers who understand it.
Trowbridge is a working market town, and a plasterer’s week here moves between very different environments — each one changing the risk an underwriter is pricing.
Wet weather and external render. External rendering in the South West has to contend with driven rain, and fresh render that is rained on before it has set is contract-works exposure — the finish can be washed or streaked and need stripping back. Timing, protection and the render system all matter, and it is worth having the cover reflect that you take rendering on.
Access in occupied premises. Much of the work in and around Trowbridge is inside homes, shops and offices that stay in use. Sheeting up, protecting floors and controlling dust are the day-to-day defences against a liability claim, and how you manage them feeds directly into your risk profile.
Materials and water. Plastering is a wet trade — bagged gypsum and lime, mixers, buckets and constant water use in finished rooms. Spilt water and slurry cause a large share of claims, and stored bagged materials are vulnerable to both theft and damp before they are ever used.
Employers’ liability is a legal requirement the moment you take on staff or labour-only sub-contractors working under your direction.
Work at Height duties where you use stilts, hop-ups, towers or scaffold for ceilings and higher external elevations.
Silica dust (RCS) control under COSHH — mixing, sanding and cutting board generate respirable dust that has to be managed for you and anyone else in the property.
Render and EWI system specification — underwriters increasingly ask which system you apply and how fire is addressed, particularly on external wall insulation.
CDM 2015 duties on larger contracts, where you may carry contractor responsibilities on site.
Water and plaster slurry damage a client’s finished floor, carpet or fitted units in an occupied home — public liability responds, subject to policy terms.
Dust from mixing or sanding spreads through a house or office and damages contents or equipment — public liability territory.
A member of the public or a client’s staff slips on wet materials in a shop or office being refurbished around them — public liability responds.
Rain hits fresh external render before it cures and it has to be stripped and re-done — contract works cover.
An employee is injured mixing, lifting bagged materials or working from stilts — employers’ liability responds; RIDDOR/HSE involvement possible.
Tools, a mixer or a van-load of materials are stolen overnight — tools and materials cover, subject to security conditions.
Tell us about your business and we’ll place it on the specialist market — or leave your number and a named broker calls you back, usually the same working day.
