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CARPENTERS INSURANCE
As a carpenter there are many aspects of the work you carry out that can pose a hazard or a danger to you and others around you. We at Rhino understand that the level of skill required to operate as a professional carpenter means that you will be working to a very high standard, but accidents can happen. In these instances, we want to ensure that we are there to protect you and your business should anything go wrong. Carpenters insurance is a sure-fire way of making sure that you are financially covered should the work you carry out result in a claim being made against the business you have worked so hard to grow. In these instances, remember that each claim you incur may result in a costly pay-out. Liability claims can range from £1000 to millions. Take a look below at our different insurances for carpenters and the importance of having the right carpenter’s insurance for your business.
What is carpenters insurance?
Insurance for carpenters offers crucial protection against the specific risks and hazards encountered by those in the woodworking profession, enabling you to safeguard your business, equipment, and income from the unpredictable nature of the trade industry.
Given the inherent risks and dangers associated with carpentry work, it's crucial to safeguard yourself, your customers, and the wider community by securing adequate insurance coverage. The right policy can mitigate the financial impact on your company in the event of an incident.
Rhino Trade Insurance provides a range of policies that can be customised to meet your business needs. Should you have queries regarding the right insurance for your situation, please reach out to our team at 0116 243 7904 or click on the chat feature located in the lower right-hand corner of this page and send us a message.
- Receive personalised insurance quotes within a matter of seconds.
- Enjoy comprehensive coverage that provides peace of mind.
- Become part of the thousands of carpentry professionals who have placed their trust in Rhino.
Take 1: Our team goes above and beyond - it's the reason we have over 3,500 five-star reviews!
What does it cover?
Rhino can protect your business with a breadth of insurance options, each with varying degrees of protection. For trades that need certifications and qualifications to perform their daily tasks, the possibility of errors and mistakes can increase. That's why it's crucial to understand the specific insurance needs of your business to guarantee you're operating properly and with the appropriate cover.
Here's an overview of the policies we offer.
Public liability insurance is a core policy that offers vital coverage protecting carpenters from financial and legal repercussions if your work accidentally causes injury or damage to a third party or their property, allowing you to work with confidence and security.
Employers liability insurance equips your trade business with crucial protection. It allows owners to cover the costs if an employee suffers a work-related injury or illness, thus ensuring the welfare of both the employees and the business. A point to remember is that this coverage is legally required if you have any employees.
Professional indemnity insurance safeguards your business against claims of negligence or poor workmanship, protecting both your reputation and finances if a project doesn't meet the expectations of a client or causes them to lose money.
Tool insurance can be a valuable addition to your business protection as it ensures that any of your essential equipment is protected against theft, loss, or damage, enabling you to swiftly replace tools and keep your projects on track. What's more, with Rhino, our cover protects you even when your tools are stored in your work vehicle overnight.
Contractors all risks insurance offers comprehensive protection for your trade projects on-site, covering any accidental damage, theft, or loss of materials and equipment (which stretched to your plant and machinery), ensuring seamless progress and financial security for every job site.
Personal accident insurance provides you with peace of mind by offering financial support in the form of a lump-sum payment to cover any business expenses and lost income if you are injured on the job (or in your spare time), ensuring that you can recover without any financial stress.
Income protection insurance is for when things get tough, and you need to ensure a steady income. If you find yourself in a situation where you're unable to work due to illness or injury, this cover provides financial stability through monthly payments during your recovery period.
Legal expenses insurance gives you a breath of fresh air when it's needed most. It does this by covering the costs of legal advice and representation, protecting you from the financial strain of potential disputes or legal claims that may arise in your line of work.
Tax enquiry insurance covers the costs when you need expert assistance and representation during tax audits or investigations from the HMRC, ensuring financial peace of mind and protection against unexpected tax issues.
How much does it cost?
At Rhino Trade Insurance, we've developed affordable insurance plans designed especially for those of you who dedicate your time to working with wood, tools, and nails. Our plans start at just £6.07 per month*, allowing you to concentrate on your work with the assurance that you're safeguarded against possible mistakes.
Rhino provides a range of insurance options to shield your business, whether you're a one-person operation or managing a bigger team. The price of your insurance will differ depending on the amount of coverage you require, the scale of your business, and the particular hazards linked to your profession.
Our brokers speak with tradespeople every day, so why not get in touch with us to talk about your insurance requirements? Give us a call on 0116 243 7904 or request a quote by clicking the button below.
*All payments, inclusive of IPT and monthly payments, include direct debit administration fees.
Take 2: Carpenters and joiners across the UK are flocking to Rhino Trade Insurance for their protection. In fact, over 31,000+ trade businesses have got a quote from us!
Why do I need it?
In essence, having the right insurance can be the key to ensuring your business is financially protected in the event of a claim, versus having to pay for it yourself. At Rhino Trade Insurance, we grasp the specific needs and demands of various tradespeople regarding your insurance coverage.
We've dedicated ourselves to collaborating with top-rated insurance partners and underwriters to develop some of the best trade insurance policies available for carpenters, providing extensive protection at affordable prices, which, in turn, offers you and your customers the peace of mind they rightfully deserve.
So, why wait? Join an award-winning insurance broker capable of providing customised insurance solutions for your carpentry business today. Get your quote sorted by calling 0116 243 7904, or simply request a quote online now.
CARPENTERS PUBLIC LIABILITY INSURANCE
There are many insurances for carpenters available here at Rhino, but the most common form of cover, and the one most useful in the event of a claim, is public liability insurance. Here at Rhino Trade Insurance, we specialise in public liability insurance for tradesmen, and carpenter’s liability insurance is something we offer to thousands of carpenters up and down the UK.
Public liability insurance for carpenters provides assurance that in the event of a liability claim being made against you and your business, you will be covered. The policy itself covers potential injury or death caused to members of the public as a result of the work you carry out, and accidental damage made to third party property. This means that if you were to unwittingly cause an injury or cause the death of say a client or customer, you could be held liable. In this case, your public liability insurance would protect you financially in the event of compensation having to be paid out. An example of a carpenter’s public liability insurance claim would be if your customer trips over your toolbox and breaks their leg. The policy also provides cover in the event that you cause accidental damage to third party property. Say you accidentally cause physical damage to your customers property whilst on a job, the policy would cover you. An example of this would be if you drilled through something you should not have and had to pay out for any damages.
See below a breakdown of Rhino’s carpenters public liability insurance:
- Covers Public/Product & Pollution Liability.
- Has an excess of £500 as standard per claim.
- Offers cover at heights up to 15 metres.
- Offers cover at depths down to 2 metres.
- Cover levels of £1m, £2m & £5m available.
- Starts at £72.80 for £1m cover.
- Interest free monthly option available.
- Covers commercial & domestic locations.
Note that an important liability insurance add on is employer’s liability insurance, something that is relevant to any carpentry business with employees. Employers’ liability insurance provides cover against claims made by employees of the policyholder’s business. Carpenters’ employer’s liability insurance is a legal requirement for any business that takes on employees and is easily available to purchase via Rhino’s easy to use insurance shop.
*Please Note* - Any carpenter wishing to purchase insurance from Rhino should choose the trade ‘Carpenter/Joinery’ when picking their main trade.
