Compare joiners and carpenters 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.

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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What insurance do carpenters and joiners need

If you are a carpenter or a joiner, finding the right insurance policy to protect your business is essential should something unexpected happen. 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.

Public liability cover for joiners and carpenters

The key cover that should be included within your joiners and carpenter’s insurance is public liability cover 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.

Employers' liability insurance

While many joiners and carpenters 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 cover 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 joiner or 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

As a joiner or carpenter, safeguarding your tools is an essential protection for your insurance cover. 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 carpenters and joiners insurance

All of these covers can typically be combined to offer a comprehensive carpenters or 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

"The questions were straightforward and the adviser explained anything I wasn't sure of clearly. The whole process was quick and easy with an immediate quote at the end. Within about 15 minutes I had completed the questions, received my quote and my insurance was all set up. Thank You!"

Mrs Curtis Mobile Beautician, Lowestoft (Customer since January 2018)

"They were able to provide a bespoke package so that I only got cover for what I needed as opposed to all the unnecessary parts of a standard package policy. The staff were very polite and willing to listen to my needs.”"

Mr Livesey, Newsagents, Kendal (Customer since August 2017)

"Professional, efficient, friendly and thorough service. They fully understood my specific business requirements, and sorted out an insurance policy which not only exceeded my previous cover, but was also a lot cheaper."

Mr Jones, Gym/Health Club, Essex (Customer since January 2018)