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CARPENTERS INSURANCE: You Know The Risks. Or Do You?

You don't need to be told about the risks of being a carpenter. Whether you got it from a teacher or from painful experience, you discovered early on that tools which are sharp enough to cut through wood and tools that are heavy enough to drive in nails can cause nasty injuries.

But what about the risks of being in business as a carpenter? No matter how careful you are, accidents happen. And one could be enough to threaten your livelihood if you're not covered by carpenters insurance.

If you have a workshop, it may seem like a safe enough place to you. But you're used to it. What if a client visits for the first time and injures himself by tripping over something left on the floor or putting his hand down on something sharp?

Incidents like these, which can happen all too easily, can lead to claims for substantial damages. After all, with so many legal firms offering their services on a 'no win, no fee' basis, who wouldn't make a claim?

And that could leave you facing hefty legal bills and an even heftier compensation payment. Without carpenter insurance cover which includes public liability insurance, you could be out of business and worrying about the loss of everything you've worked for.

There are other risks too. Expensive tools have a habit of getting lost, damaged or stolen - and, typically, at just the wrong time. What if you can't afford to replace them immediately? There could be costly delays to the job. But if your carpenters insurance includes tools and equipment cover, your problems are solved.

And don't forget that if you have anybody working for you - even on a casual basis - you'll need employers' liability insurance as part of your carpenter insurance package.

Simply follow this link to find the best insurance for carpenters

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 You’re a skilled carpenter and you’ve learnt a thing or two about running your own business. So you know something about carpenters insurance. At least you know you need it.

But you’re not quite sure what exactly you need. You don’t want to spend hours researching the subject. And you certainly don’t want to spend just as long filling in endless forms.

The good news is you don’t have to.

Find a good broker, one who understands the kind of insurances tradesmen need, and you should be able to arrange a comprehensive carpenter insurance package in a matter of minutes.

What will it include?

First, if you employ any staff at all (and that includes casual labour) it will have to include employers’ liability insurance. It’s a legal requirement and there are heavy fines - imposed daily - if you fail to comply. Then there should be an option to include cover for your tools and equipment. You’ve probably invested a lot of money in them. And you know how easily how they can get damaged or go missing. So it makes sense to them have covered. That way you’ll be able to replace them if you need to without any costly delays to the jobs you’re working on.

Your carpenters insurance should also most definitely include public liability cover. No matter how careful you are, things can go wrong and accidents can happen. If you’re working at customers’ properties, there’s always the risk that you’ll cause damage to something valuable. If you have a workshop and customers visit, there’s always the risk that they’ll injure themselves.

In such situations, you might very well find a claim being made against you. A claim which could leave you facing a substantial compensation payment and a very large lawyer’s bill. Without public liability cover, that could put everything you’ve worked for at risk.

So now’s the time to nail it. Just follow the link to find the insurance for carpenters that matches your needs exactly.  

5-Oct-2010 Category: Article, Insurance for Carpenters by Carpenters Insurance Brokers