There’s a whole host of cover that would benefit self-employed carpenters and joiners. From Public Liability Insurance to Employers’ Liability Insurance to Tools Insurance to Personal Accident Insurance, carpentry and joinery businesses can benefit from having the correct cover in place.
A good place to start is Public Liability Insurance, which protects carpenters and joiners if they damage third-party property or injure a member of the public as a result of their work. Throughout this page, we’ll talk you through the cover that can benefit your carpentry business the most.
Public Liability Insurance (PL) is a core insurance product; in fact, you may struggle to get work without it. PL helps protect you if your business is deemed liable for property damage, or if your work causes death or injury to a member of the public. It helps protect you, up to your chosen level of cover, against damage costs, compensation owed, and legal fees. Rhino offers cover up to £5 million.
If you’re seeking contract work, you’ll likely be required to show proof of Public Liability Insurance - usually £2 million is the minimum requirement. And if you want to promote your business on job boards such as Checkatrade, you’ll also need to show proof of cover.
Rhino offers a non-advisory service; however, tool theft is a major issue in the trades industry. In fact, nearly 1 in 3 of Rhino customers have personally fallen victim to tool theft.
Fortunately, Rhino offers Tools in Transit Insurance, which helps cover the cost of tools stolen if they’re locked and stored in your vehicle - even overnight.
Whilst Tools Insurance doesn’t prevent theft, it can help fund the replacement of any tools stolen, allowing you to get back to work sooner. Without tools, you’ll struggle to work and earn. Rhino’s Tools in Transit Insurance starts from £4.74 per month and is an add-on policy to Public Liability Insurance.
Working without insurance opens you up to a series of risks, and without adequate cover, your business will be left footing the bill rather than your insurer should something go wrong.
Working without insurance brings plenty of risks, not only to your business's finances but also to your reputation if something goes wrong. And while insurance isn’t a legal requirement in most cases, if you have employees, you must hold Employers’ Liability Insurance. Without it, you’re breaking the law and could face severe financial penalties.
For most tradesmen and women, insurance offers peace of mind. In fact, over 70% of Rhino customers said exactly that when we spoke to them as part of our annual survey in 2026.
While Public Liability Insurance offers broad coverage when working on the job, carpenters and joiners Insurance protects your business as a whole. Whether you’re looking for protection from tool theft with Tools in Transit Insurance, or you’re concerned that injury or illness could force you off the tools and affect your ability to earn, Personal Accident Insurance or Income Protection Insurance can help. There are a whole host of policies that can offer well-rounded cover to your business. Speak to a member of the team to see what cover your business needs.
Carpenters and Joiners Public Liability Insurance starts from £6.07 per month for £1 million cover. Rhino offers cover levels up to £5 million.
Additional policies start at:
Employers’ Liability Insurance - £6.07 per month
Professional Indemnity Insurance - £19.60 per month
Tools in Transit Insurance - £4.74 per month
Legal Expenses Insurance - £7.08 per month
Personal Accident Insurance - £7.42 per month
Income Protection Insurance - £5.52 per month
UK-based carpenters can get a quote from Rhino online or by calling the team on 0116 243 7904. Our phone lines are open Monday to Friday from 8.30 am - 5.30 pm, and you can grab a quote anytime through our website. If you’re unsure what products are best suited for your business, then give the team a call, who’ll be happy to help.
No matter how long you've been working on the tools, things can go wrong. Having the correct protection in place should something untoward happen can have a significant impact on your business' bottom line.
Unsure what insurance is best for your carpentry or joinery business? Fortunately, you've stumbled across the right page. Let us take it from here...
Your business requirements will dictate how much insurance you need. And what's right for you, might not be right for the next carpenter or joiner who comes knocking. Let us answer the questions you want answers to.
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