Compare carpenters and joiners insurance

Joiners and carpenters undertake a variety of tasks working in a number of locations with a host of other tradesmen. This diversity means insurance should be considered as a top priority to protect you and your business in case something goes wrong. But finding the right cover at the right price can often be tricky and time consuming. That’s why we compare covers and prices from some of the UK’s leading insurers to make arranging your carpenter’s insurance simple and hassle free.

So whether you specialise in creating cabinets, staircases or structural builds; we are on hand to find the cover that’s right for you. Our advisors provide professional insurance recommendations over the phone to assist you in choosing the right insurance at the right price. Alternatively if you know the covers you need you can protect your business online in a matter of minutes. Whatever your preference, we are dedicated to taking the hard work out of arranging your joinery insurance so you can focus on the job in hand and work without worry.

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We work with some of the UK's leading insurers

  • Allianz Business Insurance
  • Aviva Business Insurance
  • AXA Business Insurance
  • Covea Business Insurance
  • Hiscox Business Insurance
  • LV Business Insurance
  • NIG Business Insurance
  • QBE Business Insurance

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Protecting your carpentry and joinery business

Any joiner will understand and appreciate the risks and responsibilities of working in this profession and the need for comprehensive insurance to protect you if something goes wrong. With so many covers to consider, it can be difficult to know what’s relevant to you and how the cover would work to protect you. By bringing to life some scenarios we hope to help you understand how the right insurance can protect you and your livelihood and give you peace of mind should something unexpected happen.

Liability cover

The key cover that should be included within your carpenter’s insurance is public liability as this protects clients and members of the public against injury and accidental damage to property caused by your business activities. For example, if you accidentally drilled through a pipe while fitting some kitchen cabinets, any damage caused as a result can be covered by your public liability insurance. Similarly if a customer tripped over your tools and injured themselves, any medical and legal expenses will typically be taken care of, as well as any compensation claims awarded.

While many joiners work alone or in partnership, some will employ full or part time staff or even labour only sub-contractors. Employers have a legal obligation to protect their staff against accidents at work; employers’ liability does exactly that. As careful as you may be, accidents do happen. With power tools and heavy lifting involved joinery may be considered risky business. Employers’ liability insurance can cover any legal costs and medical expenses as well as claims for compensation as a result of an employee injuring themselves at work due to your negligence. This cover is required by law even if your staff are working on a casual basis.

Personal accident cover

Considering the possibility of an employee or customer injuring themselves while you work is crucial; but how would you cope financially if you were unable to work following an accident at work? A simple fall or slip at work could leave you out of action. By including personal accident cover within your carpenters insurance, you can protect your income in case the worst happens and you’re unable to work. This cover would typically provide a weekly income to tide you over until you’re able to return to work.

Tool and contract works cover

So you’ve protected the people involved in your work and safeguarded your business financially against compensation awarded as a result of an accident. Next you should consider the tools you use on a daily basis and how you would cope if they were damaged or stolen. Depending on the nature of your work, you may use hand tools, power tools, or even larger plant and machinery to complete the job in hand. Tool cover and contract works cover can offer protection for the equipment you use as well as hired in plant and machinery to minimise disruption to your business should something happen. Tool cover is designed to protect a small amount of tools with limits typically offered up to a few thousand pounds, but sometimes this just isn’t enough. Contract works cover is generally more comprehensive than tool cover, and is offered by most insurers for those looking for higher levels of tool cover. It can include temporary buildings and hired in plant and is generally aimed at those undertaking larger contracts and projects.

Legal protection

The final consideration when buying your insurance is the need to protect against legal action that may be brought against you or in the event that you need to pursue legal action against someone else in relation to your business. Many insurers will typically include this cover as standard, so be sure to check and consider your options. Typically this will cover a number of defined events, including criminal prosecution, tax and VAT disputes and contract disputes as well.

Comprehensive joiners insurance

All of these covers can typically be combined to offer a comprehensive joiners insurance package that is tailored to your unique requirements. Our specialist insurance advisors can help you find the cover that’s right for you by offering professional insurance recommendations over the phone based on your requirements. Alternatively if you know what covers you need compare prices online from a panel of some of the UK’s leading insurers in a matter of minutes. Protect your business today, don’t risk jeopardising your livelihood.

Covers to consider:

  • Public liability
  • Employers' liability
  • Contract works, tool, plant and equipment
  • Hired in plant and temporary buildings
  • Personal accident
  • Commercial legal expenses
  • Business interruption

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Mr Simpson, Marketing Consultants, Banbury. (Customer since May 2017)

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Mr Irons, Electrical Retailer, Skegness. (Customer since Jan 2016)

"Friendly staff, very helpful. They always called me back when I requested it and didn't pressure me into buying. They searched the market for the best deal for my needs and I couldn't be happier. I would be definitely recommend them!"

Mrs Chalise, Laundry/Dry Cleaners, Warrington. (Customer since May 2017)