Carpenter Insurance

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What is Carpenter Insurance?

Carpenter insurance, also know as ‘joiners insurance’ is a type of builders insurance policy designed to cover wood related work.

Carpentry is a very skilled craft. As a carpenter, you’ll often be involved from the very beginning of building construction right through to installing the skirting boards. Carpenters insurance is designed to take into account all considerations from the work you carryout to working amongst the public.

We can help you compare insurance policies from a panel of specialist brokers. Whether you’re a sole trader needing more simple tradesman cover to a larger company looking for broader contractors insurance, we can help with it all.

Compare Carpenter Insurance Quotes

We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

What our Comparison Expert Says

‘Being a ‘chippy’ can be a very rewarding job. You can though be on the move working in different and unfamiliar locations. It is always advisable that you ensure your joiners insurance policy is fit for purpose and able to cover such risks!’

- Michael Tribe

How our process works

We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.

Complete Our Quick Quote Form

Provide us with a small amount of information on our quick and easy form. If you don’t want to fill out our form, simply give us a call instead and 1 of our agents will do it for you!

Specialist Brokers Are Compared

We look at your individual needs and find you brokers who can save you the most and offer you the best value for money.

You Receive Carpenter Insurance Quotes

You’ll receive multiple quotes tailored specifically to your own insurance needs.

You Save Money

Once you have all the quotes you’d like, you pick the right policy for you at the best price.

What’s Covered By Joiners & Carpenters Insurance?

‘Carpenter insurance’ isn’t a single type of insurance, but rather a collection of insurance covers tailored to the unique risks and challenges faced by carpenters and joiners. These insurance products are designed to protect carpenters from various liabilities and potential financial setbacks that might arise in the course of their work.

Whether you are involved in construction or furniture manufacturing, your policy can include any of the following.

Public Liability Insurance

This is one of the most common covers for tradesman. It protects against claims made by third parties for injury or property damage caused by your business activities. For example, if a customer trips over your tools and gets injured, this insurance can cover the compensation costs and legal fees.

Employers' Liability Insurance

If you employ other people, even on a temporary basis, it’s a legal requirement in the UK to have employers’ liability insurance. It protects you against claims from employees who might get injured or ill as a result of working for you.

Tools and Equipment Insurance

Carpenters rely heavily on their tools. This cover protects against the theft, loss, or damage of those tools, helping you get back to work without the financial burden of replacing them.

Contract Works Insurance

If you take on bigger projects, this insurance can cover the cost of redoing work on a project due to events like fires, floods, or vandalism.

Personal Accident Insurance

If you get injured or fall ill and can’t work, this cover provides a weekly payout to compensate for your lost earnings. It might also provide a lump sum payment for serious injuries.

Product Liability Insurance

If a product you’ve installed or supplied causes injury or damage, this cover can protect against the resultant claims.

Professional Indemnity Insurance

Less common for carpenters, but if you offer design or consultation services, this insurance can cover you against claims of professional negligence, such as bad advice or design flaws.

Van or Commercial Vehicle Insurance

If you use a van or another type of vehicle for your carpentry business, you’ll need a suitable insurance policy to cover it, especially if you transport tools and materials. Commercial van insurance can help with just that.

When considering carpenter insurance, it’s essential to evaluate your specific needs and risks. Consulting with an insurance broker or specialist can ensure you get the right cover for your carpentry business.

Do I Need Public Liability Cover For My Joinery Business?

Public liability insurance is not legally required for carpentry or joinery businesses. However, it is highly recommended for several reasons:

  1. Protection from Claims: Public liability insurance protects against claims made by third parties (e.g., clients or members of the public) for injury or property damage caused by your business activities. As a carpenter or joiner, there are many potential scenarios where you might inadvertently cause harm or damage. For instance, leaving tools out that someone trips over or accidentally damaging a client’s property.
  2. Professional Image: Having public liability insurance can boost your professional image. It provides reassurance to clients and potential customers that you take your responsibilities seriously and that they are protected if something goes wrong.
  3. Contractual Requirement: While it’s not a legal requirement, many clients, especially larger businesses or public sector organisations, might require contractors to have public liability insurance as a condition of the contract. If you’re looking to take on larger projects or contracts, having this insurance can open doors for you.
  4. Trade Associations: If you’re a member of a trade association or are considering joining one, they might require their members to have public liability insurance.
  5. Premises and Events: If you’re attending trade shows, renting a workshop, or setting up a stall at an event, the organisers or property owners might require you to have public liability insurance.

Given the potential financial and reputational risks involved in not having public liability insurance, most carpenters and joiners see it as an essential part of their business protection. Always consult with an insurance broker or specialist to determine the appropriate level of coverage for your specific needs.

Frequently Asked Questions

As a self-employed carpenter, you should consider insurance to cover all aspects of your business. Each business is different but you should consider the following based on your setup.

If you don’t employ anyone at all, then you don’t need employers liability for your carpentry business.

If however you employ a ‘mate’ to work alongside you, then you will legally need employers liability cover.

Working from a height increases the risk of injury. Despite all the precautions that are put in place, accidents still happen. When these accidents happen at height, the consequences are often severe.

Ensuring you’re covered for working from height is a very good idea. Roofers are always working from height and often purchase roofers insurance to ensure they are covered should the worse happen.

If though you manufacture furniture for instance, working from height is unlikely to be needed by you.

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