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Carpenters' insurance

We work hard to carve out the right insurance cover for you to choose for your business.

Why choose

  • Carpenters' insurance available from £51
  • We've been arranging insurance for thousands of businesses since 1990
  • Our contact centre in south Wales is here to assist you in your insurance needs
  • Ability to choose £10 million in public liability cover instead of standard £5 million

*Based on a carpenter quoted on a tradesman liability product with a £1million limit of indemnity, no other employees...

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What is carpenters' insurance?

Carpenters' insurance is a policy that can provide different levels of cover depending on your business needs, such as public liability, contractors all risk and employers’ liability insurance.

Working as a carpenter you can run into many risks, as the carpentry work you perform may result in accidental injury to someone or damage to their property.  Also, if you are employing other people in your business and an employee suffers injury or illness as a result of work undertaken whilst working for you, you may be held liable and you may be ordered to pay a substantial amount in compensation to the injured party.

The aforementioned liabilities are in addition to the costs you may face if your tools, equipment or materials needed for any particular project are lost stolen or damaged in some way.

There are risks which your business may face that you might look for the protection of carpenters’ insurance. We offer many types of different insurance covers to help you ensure that your Carpentry business is fully covered.

What does carpenters' insurance cover?

There are plenty of risks to consider when working as a carpenter or joiner. The risks can lead to third-party injury as well as mistakes or errors that can result in a financial loss for your customer, an employee, or even a member of the public.

There are tools, equipment and other essentials that without, you are not going to be able to perform your job as a carpenter. Many of them are likely to be expensive to replace in the event of loss or theft. Contractors all risk insurance is able to protect you against such losses by providing the financial means to replace items which are lost or damaged.

If you employ anyone else to help in your carpentry or joinery business, you have no choice but to arrange adequate employers’ liability insurance. This is required by law, which is why we help you find all the cover you need in one easy place.

Do carpenters’ need public liability?

Public liability insurance is not obligatory for carpenters or joiners but it might make a great deal of sense to have that protection.

The reason is relatively easy to explain. Try as you might to complete any job as skilfully and competently as you may, there remains the risk that your customer, a neighbour, a visitor to the property or even a member of the public, ends up suffering some manner of financial loss or sustaining an injury as a direct result of the work you have done.

As the tradesman responsible for that work, you may be held liable for the loss or personal injury sustained. If you are liable, you may be ordered to pay compensation to the injured party or parties. That compensation may be substantial – given that it may be in the thousands or hundreds of thousands of pounds, it may be considerably more than your small business is able to bear.

In order to avert any such disaster, public liability insurance is there to cover you.


  1. UK-based contact centre trained to help you with your insurance queries
  2. Ability to obtain a policy with cover up to £10 million
  3. Dedicated account manager
  4. Flexibility to adapt your policies throughout the year
  5. Ability to add insurance to cover all of your tools

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Read our FAQ's

Public liability is a legal liability to pay damages consequent upon bodily injury, illness or disease sustained by....

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It’s essential to have sufficient public liability insurance cover to protect yourself and your business against claims of negligence

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Before insurers quote you a premium for your CAR policy, they will first consider a number of factors in order to determine what kind of risk you are.

Such factors will include…

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The minimum level required by law is £5m. However, through longstanding relationships with our panel of insurers all of the policies we can supply contain a minimum of £10m of cover.

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