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.
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.
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.
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:
- 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.
- 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.
- 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.
- 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.
- 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.
