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Carpenters and joiners public liability insurance

Compare public liability quotes

Compare public liability quotes

Compare public liability quotes

Compare public liability quotes

Compare public liability quotes

Carpenters and joiners insurance

Whether you’re a carpenter or joiner working on-site, or a cabinet maker creating a bespoke artisan piece for a client in your workshop, it’s vital that you have the right business insurance to protect you and your business.

Frequently asked questions

What insurance might I need for my carpentry or joinery business?

You’re likely to need public liability insurance and, if you employ anyone, it’s a legal requirement to have employers’ liability insurance. There are also other types of cover you might want to consider including for your tools and equipment.

What is public liability insurance?

Public liability insurance covers you against compensation claims and legal bills should someone, such as a customer, supplier or member of the public, be injured or their property damaged as a result of your work.  

It covers everything from a small incident to a fatal injury due to an accidental, unexpected event.

What can public liability insurance cover?

Public liability cover for carpenters and joiners could cover compensation awarded as well as legal bills.  

It’s up to you to decide the level of cover you need, but most providers offer between £1 million and £10 million. 

Terms and conditions vary by insurance provider, so it’s essential you make sure you have the right kind of insurance and level of cover you need. 

Depending on your policy, it could cover any legal costs, medical expenses and any compensation the injured party might claim. 

Do you need public liability insurance for your carpentry or joinery business?

Public liability insurance is not mandatory under UK law. However, without it, the consequences of a claim could be devastating for you and your business.

Even if you have the most stringent safety and security procedures in place, accidents can happen. And there's more to public liability insurance than just covering financial costs:

  • Without public liability insurance, you may find it difficult to keep your business up and running. Customers expect you to be insured for any unexpected events, and many will refuse to use your services without it. Local authorities usually ask for a minimum cover level of £5 million before you can tender for work.
  • If you’re working as a subcontractor, your contractor will insist you have public liability insurance before hiring you. Without it, you could lose lucrative projects.

What else can be covered under specialist carpenters and joiners insurance?

As well as public liability, you may also want to think about the following types of business insurance: 

Employers' liability insurance

As soon as you become an employer, even if you only have one employee, you must get employer’s liability insurance. The only exception is if all your employees are direct family members. Otherwise, the policy is mandatory under UK law, and must cover you for at least £5 million.  

Tools and equipment cover

Tools of the trade are an essential part of any carpentry or joinery business. Without them, you can’t work.  

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 or damaged. 

Contract works insurance 

Picture the scene – you’re just completing the framework for an extension project, and an unexpected storm destroys the lot. It’s nobody’s fault, but someone needs to pay for the replacement work. Will it be you, or your client? 

Contract works insurance could 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’s being built, plus the materials and fittings so both you and your customer are protected.

What if I’m self-employed?

Around 37% of those working in skilled trades classified themselves as self-employed in 2017, according to figures from the Chartered Institute of Personnel and Development (CIPD). If you are self-employed, you'll need to organise your own insurance – as you don't have an employer to do it for you. 

It could be worth considering taking out one of these types of insurance to protect your business or your income – and consequently your family - if something happened to you:

How can I get a good deal on carpenter and joiner insurance?

We can help you find and compare carpenters and joiners insurance deals to help you get the one that's right for you. We’ve made the job of comparing business insurance policies and prices quick and simple. 

Just complete our online form – you can tailor it to carpenters and joiners insurance so your search results will be specific to your trade. We’ll then get back to you with a list of industry-relevant policies, so you can continue growing your business with the peace of mind that you have the right specialist insurance.

Other business insurance that carpenters and joiners may be interested in…

Public liability insurance

Get cover against claims if someone is injured or property damaged as a result or your work.

Employers’ liability insurance

You are legally required to have this insurance even if you employ just one person.

Business interruption insurance

Insurance to help compensate you for loss of profits if your business is unable to operate for a period for some unexpected reason.

Business life insurance

Insurance designed to help your business carry on if something happens to you or the key people in your business.

Van insurance

A guide to LGV insurance for business.

Commercial property insurance

Protect your business premises.

Business contents insurance

Protect your business equipment.
Home office insurance

The insurance you need when you run your business from your home.

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