What other elements can be covered under Carpenters and Joinery insurance?
As well as public liability, there are other risks that you may need to be taken into account. These could include:
This type of cover is mandated by law. Unless you’re a sole trader, or all your employees are direct family members, you must have employers’ liability cover.
This can protect you against any claims that arise if one of your employees either injures themselves or becomes ill as a result of their work.
Do remember that once you have a policy, you need to keep up to date with health and safety at work regulations – if you don’t, it might invalidate your cover.
- Tools and equipment cover
As a carpenter or joiner, you’re bound to have an array of tools and equipment for use in your work. Often the value of these items is much greater than you think. You can opt to protect these as part of your Carpenters and Joiners policy. That means you won't have to worry about how you'll afford to replace them if they are stolen.
Having your equipment replaced fast is important too – you’re not going to be able to work without your tools, so a good claims service is important to consider.
Picture the scene – you’re just completing the framework for an extension project and an unexpected storm destroys the lot. It’s no-one’s fault, but someone needs to pay for the replacement work. Will it be you, or your client?
Contract works insurance can help put an end to this dilemma. It can cover the works in progress on a site for most damage or loss, including fire, flood, storm, malicious damage and theft. The policy will insure the item as it is being built, and also the materials and fittings so that both you and your customer are protected.