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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.


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.

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