Compare joiners and carpenters insurance quotes
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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Compare carpenters and joiners insurance
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.
Carpenters and joiners covers
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.
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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
Frequently asked questions
- What will I be covered for?
- Can you give me help if I have employment or legal problems?
- How can I find out about claims I've had in the past?
- What is employers’ liability insurance?
- What does personal accident cover?
- Do I need to cover subcontractors under employers liability Insurance?
- What is tool insurance?
- If I leave my tools on site, are they covered?
- Are tools covered in a van overnight?
- How soon can you give me cover?
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