Carpenters Insurance
Protect your carpentry business with comprehensive insurance from £8/month*. Get instant cover for public liability, professional indemnity, and tools in just 90 seconds. Perfect for both workshop-based and on-site carpenters.
for a simple price of
Rated 4.8 out of 5| 4500+ reviewswhat is carpenters insurance?
Carpenters insurance isn’t just one type of cover, it's a group of various covers tailored specifically for your business. Think of it like a safety net with multiple layers. For instance, there’s public liability insurance to protect against accidental damage or injury, or there’s tools insurance for your carpentry equipment.
Carpenter's insurance is all about making sure you have all the right protection in place to keep your business running smoothly, no matter what bumps you hit along the way.
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Do i need carpenters insurance?
Despite all the care and expertise you bring to the table as a carpenter, there are factors you simply can’t control. Whether it’s an unexpected accident or a mishap that leads to property damage or personal injury, having comprehensive insurance can help. For example you could be installing a new wardrobe and cause damage to plaster during the fitting; this could mean a claim is made against you to pay for the damages. Or your employee could injure themselves on site from a wood saw and file a claim against you for compensation. In both these cases, insurance would cover you and ensure you wouldn’t take a financial hit.
what does carpenters insurance cover?
Our carpenter’s insurance policy is tailored specifically to meet the needs of carpenters. Here are some of the key covers we offer:
Public liability insurance
Accidents happen, and when they happen on the job, public liability insurance has got your back. This cover protects you against claims for any property damage or injuries that might occur while you’re on the clock. For example, you’re repairing a staircase and accidently damage your clients wall, or your customer trips over a wire of yours and gets injured. Public liability insurance ensures you’re not left to deal with the fallout alone, covering the legal costs and compensation pay outs that come with defending against a claim.
Tools insurance
Your tools are key to your carpentry work, and without them, you can’t get the job done. Our policy makes sure you’re covered for fixing or replacing your tools and gear if they get lost, stolen, or damaged.
Professional indemnity insurance
Sometimes, no matter how careful you are, things can go wrong. Professional indemnity insurance has got your back when it comes to claims of negligence. Whether it’s a client alleging a mistake was made on a job or that your advice caused more problems, this cover ensures you are protected.
Employers’ liability insurance
If you have employees, employers’ liability is essential. This cover provides benefits to your employees if they are injured or become ill as a result of their work. It covers medical expenses, lost wages, and rehabilitation costs, ensuring your team is taken care of. In the UK this insurance is legally required, so it’s worth looking into this insurance or you could find yourself in hot water.
Unless you are exempt from having employers’ liability insurance, the Health and Safety Executive (HSE) can fine up to £2,500 a day for businesses who don’t have the necessary cover in place. You can also get fined if you fail to display your employers’ liability insurance certificate.
Legal expenses insurance
If you find yourself in a legal dispute, legal expenses insurance can help by covering your legal fees, court courts and other associated expenses such as the costs of hiring solicitors or experts, so you can focus on running your business. For example if a customer refuses to pay you after fixing their door frame, legal expenses insurance can cover the cost of hiring a solicitor for legal advice on how to resolve the issue.
Occupational personal accident insurance
Occupational personal accident insurance is a safety net for a carpenter, ensuring financial protection when you face an injury or accident on the job. Whether you’ve had a minor mishap that keeps you off work for a few weeks or had a life changing accident, this insurance steps in to cover a range of incidents. This policy is there to make sure you are financially supported during your recovery period, so you can focus on getting back on your feet without worrying over lost income.
covers
how to get carpenters insurance
To get a quote, fill out our quick and easy online form. Just answer a few questions about your trades business and get a tailored quote in no time.
You can spread the cost of your insurance over 10 interest free monthly payments, or you can pay it all at once.
why choose tradesmaninsure?
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4.8/5 customer rating on Feefo. With over 4500 reviews, you don’t have to take our word for it.
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25+ years’ experience of insuring tradesmen. So you can rely on us to provide the insurance you need.
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Easy online cover. Receive a tailored quote for your trades business in 90 seconds by filling in our quick and easy quote form.
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24/7 legal advice. You can access expert information and guidance with our legal advice helpline, whenever you need it.
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