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What is Carpenters and Joiners Insurance?
Carpenters and Joiners insurance is a range of business insurance policies designed to protect carpenters and joiners against the risks of their day-to-day work and running of their business. Depending on your business requirements, this can include cover such as Public Liability Insurance, Employers’ Liability Insurance, Tools in Transit Insurance and Professional Indemnity Insurance. Find out more about the insurance your business might need here.
What does Carpenters and Joiners insurance cover?
Carpenters and Joiners insurance can help protect your business from a range of risks that your business faces. Whether it’s on-site protection with Public Liability Insurance to Legal Expenses Insurance should legal action be brought against your business. A range of policies can help protect your business. Cover can include:
Public Liability Insurance – if you cause damage to third-party property or injury to a member of the public.
Employers’ Liability – claims from employees who become ill or injured as a result of working for your business.
Tools in Transit Insurance – protection for your tools against risks such as theft or damage when stored in your vehicle.
Legal Expenses Insurance – covers costs for things like employment disputes or non-paying customers.
How much is Carpenters and Joiners insurance?
Carpenters and joiners insurance starts from £6.07 per month; however, your business requirements and level of cover may change your premium. Factors affecting your premium can include the number of policies required for your business, the type of work you carry out, and the number of employees you have, to name a few. You can find out more about the cost of insurance for UK carpenters and joiners and how much you might need below.
Why do I need Carpenters and Joiners insurance?
Over 70% of Rhino customers say they have insurance for peace of mind when working on a job. Having the right protection in place can be crucial if something untoward happens; in some instances it’s a legal requirement, and in others, without insurance, you may not be eligible to take on the job itself.
Without the right cover, carpenters or joiners would have to cover the costs themselves. If something goes wrong and you can't fix it, it can severely damage your reputation.
Carpenters and Joiners Public Liability Insurance
Carpenters and joiners Public Liability Insurance protects your business if a member of the public is injured or their property is accidentally damaged because of your work. Public Liability Insurance is a core product and is often required for contract work, accreditations, and job posting services. Starting at £6.07 per month, you can protect your business in a matter of minutes by getting a quote.
Carpenter and Joiner FAQs
The insurance you need depends on how your carpentry business operates. Common covers include:
Public Liability Insurance – for third-party injury or property damage claims.
Employers’ Liability Insurance – required if you employ staff.
Tools Insurance – to protect your tools and equipment.
Contract Works Insurance – for specific projects and cover for work in progress.
Professional Indemnity Insurance – if you provide professional advice, designs or other services that could lead to a financial loss claim.
Yes. If you take on a labourer or additional employees, then you are legally required to hold Employers’ Liability Insurance. It protects you if an employee becomes ill or injured as a result of working for your business.
No. Public Liability Insurance does not cover your tools if they are stolen. It covers claims made against your business for third-party injury or property damage. If you want protection for your tools, you can add-on Tools in Transit Insurance, which protects your tools if they are lost, stolen, or damaged. Rhino does not offer stand-alone Tools Insurance.
This depends on your business requirements, but not every carpenter or joiner needs Professional Indemnity Insurance. If, as part of your work, you offer professional advice, designs, or specifications that could cause a client financial loss, you may want to consider Professional Indemnity cover.
No. Rhino’s policies cover a 364-day period.
