Carpenters & Joiners insurance
You're just a quote away from a great value policy
Compare & buy cover online
Compare & buy cover online
If you know the covers you require, it’s quick & easy to compare contractors & self-employed quotes from a selection of insurers on our website.
Request a call back
Unsure of your cover requirements or looking for insurance advice? We’ll call to arrange a new insurance quote at a time that’s convenient for you
Call us on: 0333 320 6009
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Public liability insurance
The key cover that should be included within your joiners and carpenter’s insurance is public liability insurance This cover 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 for joiners
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 insurance 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.
Property covers
Being a joiner requires many expensive tools and specialist products that you may want to cover. If your carpentry business is based at a workshop rather than being mobile, you should also consider cover for your business buildings, contents, stock and equipment.
Business interruption insurance
If you have a carpentry workshop that you wish to include in your insurance, some policies can incorporate this and offer business interruption insurance cover as well. This means if you suffered damage at your premises that impacted your ability to trade; your loss of income could be covered while you get back up and running. If you’d like to talk through additional cover options, simply give us a call.
Professional indemnity cover
Carpenters are often required to provide advice or a design service for some projects. If you provide a professional service, or advice to customers, professional indemnity insurance should be considered as an essential cover for your business. It can cover compensation for losses you are legally liable for if you make a mistake or give negligent advice which results in a loss to the customer or in the event the work you carried out is deemed to be defective, inadequate or fails to perform. Call us today to discuss adding professional indemnity cover to your carpenters and joiners insurance package.
Van and vehicle cover
A commercial vehicle or van could be a crucial part of your business; whether it’s for deliveries, tools, or even just getting to and from your work sites on a daily basis, we understand the need for a quality cover that gives you peace of mind. Take a look at the business van insurance page to find out more about van insurance for tradesmen.
Commercial legal protection
When buying your insurance you should consider 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.
Tool cover for carpenters
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.
Carpenters insurance FAQs
Do I need carpenters and joiners insurance?
Without the right carpenters insurance in place, you may be personally responsible for any losses that occur, as well as any third-party claims that could be submitted against you.
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.
What covers do carpenters and joiners need?
At Premierline, we offer carpenters and joiners insurance that can be as simple or comprehensive as you need depending on your business needs. When thinking about what insurance and covers you need to protect your business, you should consider the following:
- Public liability – to cover you against unforeseen events that could leave you and your business exposed to financialloss.
- Employers’ liability – to protect your employees against accidents at work and any damages awarded as a result.
- Personal accident cover – to tide you over in the event that you injured yourself at work.
- Tools & plant – to protect your tools, equipment, and plant.
- Buildings cover – to cover for loss or damage to your business premises.
- Contents and stock – to reinstate your items and belongings.
- Business interruption – to keep finances running when disaster strikes.
- Contract works – designed to cover work that’s underway on a construction site.
- Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
- Commercial vehicle cover – if you use a vehicle or a van for business.
- Professional indemnity – can cover compensation for losses you are legally liable for if you make a mistake or give negligent advice.
How much does carpenters and joiners insurance cost?
The cost of carpenters and joiners insurance depends on a range of factors including the size of your business, and the level of cover that you need. Get a custom quote online or contact one of our business insurance specialists to find out how much your carpenters and joiners insurance might cost to protect yourself and your business from unforeseen circumstances.
Why choose Premierline to arrange carpenters and joiners insurance?
We have many years of experience arranging carpenters and joiners insurance so we’ve really got to know the covers that carpentry businesses like yours need. We are here to make sure that you have the essential covers to protect you against the risks you face on a daily basis.
You can protect your business online in just a few minutes if you know what covers you need, or if you require advice call us to get a carpenters and joiners insurance quote today.
What type of carpenters and joiners do Premierline work with?
As a business insurance broker, we can arrange insurance for a range of different joiners and carpenters businesses. Such as:
- Joinery workshops
- Cabinetmakers and furniture manufacturers
- Rough carpenters or trim carpenters
- Framers
- Roofers
- Joisters
- Formwork carpenters
Call today or request a call back. Our advisors are on hand to discuss your specific requirements and arrange your painter and decorator insurance policy for you.
What will I need to know to complete my insurance quotation?
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
How soon will I get my policy documents?
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
How do I pay for my policy?
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
Why choose Premierline?
We're contractor insurance experts
- We understand the nature of running your business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging insurance for your contracting business simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
- Award winning serviceWe're trusted by thousands of SMEs across the UK
- Comprehensive protectionWe can help with all your commercial insurance needs
- UK based expertsLocated in Lancaster, our advisors are here to help
Our customer reviews and testimonials
“Outstanding service. They are very helpful with all enquiries and come straight back with answers. Easy to use portal for all documentation as well, which is a great help.”
Shop Fitter
Customer since August 2024
Our independent customer reviews
Speak to a carpenters insurance expert
You can protect your business online in just a few minutes if you know what covers you need, or if you require advice call us to get a carpenters and joiners insurance quote today.
Compare & buy cover online
If you know the covers you require, it’s quick & easy to compare contractors & self-employed quotes from a selection of insurers on our website.
Request a call back
Unsure of your cover requirements or looking for insurance advice? We’ll call to arrange a new insurance quote at a time that’s convenient for you
Call us on: 0333 320 6009
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.
Lines open Monday to Friday 9:00am–5:00pm
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