What is carpenters & joiners insurance?
We’ll carve out the right policy for you
As a professional carpenter or joiner, the last thing you want to worry about the possible loss, damage or theft of your tools and equipment, or expensive claims as a result of an employee or member of the public being injured or killed due to your work.
Working in a profession that has poses many risks to both you or other people including working with heat and sharp tools means you need to have the right insurance to cover you should something go wrong.
Help to manage these risks and keep your business safe with a tailored business insurance package from The Insurance Octopus, ensuring you have all the essential cover you need in one business insurance policy.
What your carpenters and joiners insurance policy includes
Carpenters Public Liability cover
Public Liability insurance covers your business if someone gets hurt or property is damaged in the course of your business. Standard levels of cover are £1, £2m, or £5m and higher levels are available upon request subject to insurers terms and conditions. Public Liability will protect you should there be a legal case for injury or damage.
Employers Liability cover
Employers Liability insurance is a legal requirement if you employ anyone or pay sub contractors to complete works on your behalf with your tools and equipment. An Insurance Octopus standard Employers Liability insurance policy is £10m cover.
Contract Works or Contractors All Risks cover for carpenters & joiners
Contract Works or Contractors All Risks cover will insure your construction works plus materials, should they be damaged or the materials stolen prior to completion. The policy will also cover the additional labour costs to rebuild the work previously completed along with cover for your own or hired plant. An example of this would be if you are completing an extension and it is damaged or destroyed by fire, you would have to complete the work again. Contract Works cover will provide the protection you need in this instance, and is available as a single one off policy or as a yearly policy.
Plant and Tools cover
Plant and Tools cover will protect your tools of your trade whilst working on site, like a construction or building site.
If you are self employed or you need additional insurance The Insurance Octopus will look to put a tailored business insurance package together for your business needs.
In addition to our standard tradesman and contractors insurance package, if you are a specialist in a particular field of bricklaying you may need to amend your policy to be specific to your business. You can specify working in specific conditions such as working up to 50 meters in height, having over 75% of your work using heat or working deeper than the standard 2-3 meters to ensure you’re covered.
Why you need carpenters and joiners insurance
Your business insurance policy from The Insurance Octopus will include fundamental elements of insurance that a carpenter and joiner could need whilst working. The work you do involves regular use of tools and machinery so our cover provides a layer of protection should the worst happen. Should you need it you can also add additional covers and we will endeavour to help you tailor your business insurance policy to the needs of your business.
Compare quotes from insurers
One of our tradesman insurance specialists will discuss your business requirements with you and look to compare quotes from major UK insurance providers, ensuring you get a bespoke policy where you only pay for the cover you need.
Specialist cover you can trust
We can often provide you with your business insurance and documents on the same day in most cases (subject to time of day restrictions), offering a range of flexible payment options, including Direct Debit.
Why choose The Insurance Octopus for Carpenter Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen - with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A specialist who knows your industry
We'll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Carpenter & Joiner Insurance FAQ's
Get the answers you're looking for
Will you provide cover for my carpentry tools?
We can. When you acquire your quote, be sure to specify that you wish to take out cover for your carpentry tools, and it will be included in your premium. If you are uncertain or have any queries about this, you can always give us a call and one of our team members will be able to discuss the cover you need and answer any of your questions.
Does a carpenter need employer's liability cover?
If you employ any other staff or labourers on site then you are required by law to take out employer's liability cover. If you are a self-employed individual carpenter, you may not need to take out employer's liability. If you are at all uncertain, the best thing to do is to call us and explain to one of our team what the circumstances of your business are, and they will be able to advise you as to your requirements regarding employer's liability.
How much public liability insurance does a carpenter need?
This question is entirely dependent on the circumstances of your business. You need to consider the potential extent a compensation claim might go to if there is an accident, as well as the monetary value of all your stock and what legal costs you might incur if you are taken to court. You also need to be realistic about the costs of any property damage you might accidentally cause. You understand the ins and out of your insurance best, so you need to make the decision about how much public liability insurance to take out.
How Carpenter & joiner Insurance works
Examples of Joiner & Carpenter Insurance in action
Poor Organisation Leads to £5,000 Claim
A carpenter is working on a section of floorboards in an area of a shop that customers frequently pass through. The carpenter has failed to adequately mark the area of the floor that is hazardous for people to walk on, and an unwitting customer steps on a floorboard that isn't nailed down, goes through the floor and breaks their ankle. The carpenter is sued for compensation but, fortunately, the settlement of £5,000 is covered by his public liability insurance.