About Carpenters Insurance


Cover for other building trades

We can provide cover for up to five different trades in one policy including building and decorating

Accidental Damage

Extra carpentry cover

Many optional extras including business premises cover, accidental damage and tools cover


Dedicated carpenters’ claims service

Experts claim handlers to give you peace of mind

Direct Debit

Pay for your carpentry insurance by Direct Debit

You can choose to split your payment into 10 monthly instalments

Features of Carpenters Insurance

Standard cover

Liability insurance for carpenters

Carpenters liability insurance covers you for legal defence costs for allegations for accidental personal injury caused by you to the public your customers or your staff. This is provided by Employers and Public Liability sections of cover. You can set your own limits for public liability, product liability up to £10 million, and can adjust these at any time depending on the growth of your business and diversification over time.

Cover for carpentry equipment

Your tools provide you with the means of your livelihood. We can provide flexible limits for all types of carpentry equipment including specialist saws, lathes, drills and hired equipment too. Tools must be locked securely outside business hours, and a single item limit may apply.

Specialist cover for your carpentry business

However you work, whatever type of carpentry you do, we can help you find the best policy to cover your risks. So as a joiner, cabinet maker, wood turner, cooper or sculptor we will factor in your location, work history, turnover, staff, years in the trade, professional accreditation and many more to build a picture of the type of insurance you might need. Coupled with the liability and tools protection at levels set by you, you can be confident the insurance you have fits you correctly.

Instant carpenters’ insurance

Do you need documents quickly to tender for a public contract or to get you on site? We can provide verification of insurance via email, within the same day. You can get a quote and buy your carpenters insurance online, or for a more detailed requirement review, call us today to discuss your needs.

Carpenters Insurance FAQs


What is carpenters' insurance?


Carpenters insurance is a group of different types of insurance that are specific to your profession as a carpenter. It can then be tailored to your needs with the right combinations and levels of protection.
It can cover you for most types of carpentry work including:

  • Cabinet making and joinery
  • Surveying or quoting
  • Large public contracts and private jobs


Do you offer tools insurance for carpenters?


Your business equipment is usually vital to a carpenter and therefore you can choose to insure against theft. Even if you hire the equipment, you may still want insurance, especially for the more expensive items.
We can include your specialist woodworking equipment and even employee’s tools as long as they are locked secure, even in your van or onsite.

Note that fixed equipment may not be covered as this would be expected to be covered on the insurance for your premises. If you have a workshop, we can combine your carpentry insurance with a business premises policy.


In the event of a claim, how are my tools replaced?


Cover is arranged on a new for old basis and therefore it’s important that you value your work tools and equipment based on their replacement value at today’s prices. If you underestimate the value of your tools this could result  in your claim being proportionately reduced due to underinsurance.


Why do I need a specific carpenter insurance policy?


It's important to declare all the types of machinery that you use, particularly fixed as woodworking machines in view of the higher injury risks presented. By protecting your company with an industry-specific policy you have peace of mind that your business activities are fully understood.


Why does a carpenter need public liability insurance?


Carpenters can face legal action in respect of their liability for personal injury or property damage arising from their activities, we can provide protection for a range of different liability claims to help keep you protected.


Is the financial rating of an insurer an important factor?


Yes, because the system measures an insurer’s financial situation, allowing you to predict their ability to meet ongoing policy obligations.

Also, there are a number of main contractors that will not sub-contract works to any companies not insured with an insurer with a minimum of an A-financial rating (as determined by established ratings companies).


What is public liability insurance for carpenters?


Public liability insurance protects the public against injury or loss as a result of your business. So, for example, if someone is injured by a falling ladder. Level of cover can vary but most options are between one and 10 million pounds dependent on your needs.


What is employers' liability insurance for carpenters?


If you have employees, you have a legal duty of care to have protection for their benefit in place. Employers’ liability insurance for a carpenter is just this and protects your staff against similar perils to public liability.


Are labour-only sub-contractors covered in the same way that direct PAYE staff are under the employers' liability policy?


Yes, both types of employers are covered for the same risks although it is very important you declare how your workforce are employed as it will affect how your risks are calculated.


Can I pay for my carpenters’ insurance in instalments?


To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.


Where can I find more information about monthly Direct Debit?


If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 0344 892 1384 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim