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Carpenter Insurance

Carpentry is an age-old profession that encompasses sometimes difficult labour and an artistic attention to detail. Carpenter insurance is integral in making sure you are covered for any situation, leaving you able to carry on with the job you love.

What Do You Need to Know About Carpenter Insurance

Carpenter with tools in foreground

 

Carpentry is such a versatile trade that you will likely find yourself working on a wide variety of sites and projects. Each one comes with its own set of unique risks and incidences for which a highly-comprehensive carpenter insurance policy is necessary.

From creating timber frames, to hanging doors, to designing and building bespoke pieces, your carpenter insurance policy needs to be as wide-ranging as your skills are. You can tailor your policy to include necessary features that are dependent on the type of business you run.

Carpenter working in workshop

 

For example, if you operate your carpentry business from a workshop or warehouse, you should look into buildings and contents cover. This will pay out the cost of replacing any business-critical items that are stolen or damaged whilst on your premises. However, if you work in a home-based workshop or garage on self-employed basis, you will need to look into contents cover as part of your home insurance policy.

There are a number of other features that are highly advisable for carpenters, most falling under the umbrella of tradesmen insurance. From protecting yourself and your employees, to looking after members of the public that visit your workshop/site, carpenter insurance is the only way to negate financial difficulty in the event of a claim.

Policy Features of Carpenter Insurance

 

Professional Indemnity Insurance

As a carpenter, you will often be consulted various issues surrounding your job. Any advice you give that results in a financial loss for your customer, or delays the progress of continual work, you may be held responsible. You can also be held responsible for work that is not done to the proper standard. In this event, professional indemnity insurance will cover the costs of such claims

Employers’ Liability Insurance

If you run a carpentry business that employs one or more people, you are required by law to have employers’ liability insurance. It covers the medical, legal and compensation costs that can add up in the event of a claim made against you by a member of staff who is injured or made ill as a result of their work for you

 

Public Liability Insurance

If a member of the public is on site while you work, you may want to consider public liability insurance. If you are the owner of a carpentry business, this may be of particular interest as it will protect you against the costs associated with claims made by members of the public is they are injured. You could be held liable for anything from them tripping over a discarded tool to them being hit on the head by a falling piece of a structure you have built

Tools Cover

Most tradesmen consider their tools as the most important part of their job. If your expensive carpentry tools are stolen or damaged beyond repair, tool cover will pay out the cost of replacing them, so you can get back to work without an extensive delay. The amount you can insure your tools for depends on the policy and broker, but a consistently reported amount is around £10,000