We are an established broker, specialising in
liability policies for tradesman including
carpenters and joiners, so you
can trust us to source you the right deal from our panel of
providers. We know your industry well, and policy features with
certain insurers such as up to £10 million public liability, or
cover if you work in hazardous locations are available.
Our online price comparison solution enables
you to choose the cheapest deal
based on your requirements. So get a range of liability policies
suitable for carpenters from major insurers such as AXA, RSA and
Zurich from our easy to use comparison site. If
you have specific insurance needs (for example you may require
tools cover up to a certain amount) and are struggling to get a
quote online, then it is worth picking up the phone so we can help
you source a quote.
Buying Carpenters Insurance from YOUR Insurance
- Online: Click on the “compare
quotes” button and complete the questions about you and your
business. Tailor your own public liability
insurance here by adding the value of your tools, the
level of public liability cover you need or how many workers you
may employ. You will be presented with quotes from different
insurers and the option to read more, or buy online.
Make sure you take the time to review the policy features,
limitations and exclusions included in your quote. We have worked
to make the process quick and simple but it’s worth you taking a
few extra minutes to make sure you have the right cover in
- Over the phone: Call us on
0800 107 8949 and we will do our best to get you
the cheapest deal from our panel of insurers, as
long as your insurance needs are met.
- Struggling to find the right
cover? You may have had trouble getting an online quote,
especially if you are looking for something in a carpenter
insurance policy which is a little unusual. As a specialist broker
we are used to sourcing policies for our clients. Just tell us your
requirements and we will do the hard work for you.
Call us today 0800 107 4885
Carpenters Public Liability Insurance - why do Carpenters and
Joiners need it?
You work hard chipping away to build your business. Without
Carpenters Insurance, if a claim was made you would be personally
liable to settle any payout.
Question: How would an unsettled claim impact
on you, your family and your reputation as a respected
Question: Could the stigma of an uninsured
claim prevent you from winning the next job?
Carpenters Insurance is designed to protect you in the event of
an accident, such as damage to your customers property, injury to
them directly and injuries or damage to the general public caused
by you or your business. From fitting out shops, converting lofts,
building kitchens or hanging doors - it is fair to say that as a
Carpenter you are at potential risk every day.
Your materials and tools mixed together can create a dangerous
and risky environment for you, your customers and the public. This
is why professionals like yourselves should seriously consider a
Public Liability Insurance policy. If the worst happens, a member
of the public is hurt or injured, or if property is damaged, with
claims running into £’s thousands, are you confident you could
afford to pay for a claim without damaging your business?
Having the right Carpenters & Joiners Insurance is essential
as in the event of just one large insurance claim being made
against you, your Public Liability Insurance could end up being the
one thing that not only saves your business from closure but could
also prevent the loss of everything you have worked for. With no
Public Liability Insurance in place to pay a claim, then it is YOU
that would end up paying.
We know that you are busy and searching for Business Insurance
is not exactly fun, that's why YOUR Insurance has made finding the
right Carpenters Insurance quick and simple. YOUR Insurance has
teamed up with the some of the UK’s leading Business Insurance
companies allowing you to quote, compare and buy online NOW.
Why choose YOUR Insurance?
You could save money with exclusive deals: At
YOUR Insurance we offer prices and schemes from leading UK insurers
that you can't buy direct.
Instant quotes: Quote, compare and buy online
24/7 365 days a year.
In-house Underwriters: On hand to help get you
Spread your payments:To help manage your
business cash flow you can choose to pay your insurance premium by
monthly Direct Debit.
Policy documents emailed to you: So you can
access them day or night.
Call us for free! Need help? we are available
to help you Monday - Friday 9am - 9pm and Saturday 9am - 5pm - 0800
What you see is what you pay: We don’t start
adding to the price after you’ve said go ahead, so you will never
pay more than the price you see.
Peace of mind: By taking out one of our
Carpenters liability insurance policies you’ll know you have the
support of Europe's largest independent insurance intermediary,
Key features of our policies
All of our Carpenter and Joiner Insurance policies
provide cover for:
This forms the core of all of our Business Insurance policies.
It can protect you against the potential costs associated when
dealing with an injury claim by a member of the public and
against property damage claims as a result of your business
Public Liability Insurance for Carpenters and
Joiners can cover the legal defence costs for alleged
negligence and pay compensation where your business is found
to be at fault.
Policy limits of £1 million, £2 million & £5 million,
with £10 million available for certain trades.
You are required by law to have Employers’ Liability Insurance
for people you have under a contract of service
with you; either as manual labour, clerical work or otherwise.
Limited companies also require Employers Liability Insurance under
this law. You could face fines of up to £2500 per day if you
do not have an Employers Liability Certificate.
Tools - (handheld e.g. power
Most people know tradesmen who have had their
tools stolen. Our policies can cover you against theft or damage to
your portable handheld tools and their accessories.
Plant - (Larger than handheld e.g. fixed
Your own plant, or plant which you have hired for work on a
contract, can be insured against theft or malicious damage.
Contract works - (The actual work being
carried out and related materials)
This covers the
contracts you are working on including materials eg. If you are
half way through building an extension on a property and an insured
peril occurs, such as a fire, flood or malicious damage and this
destroys some or all of the extension, then Contract Works Cover
will pay to put you back in the position you were in before the
peril occurred. As with all insurance policies, limits and
level of cover will depend upon the package you choose.
Things to look out for - Exclusions and tips
To make sure that you get the most from your Public Liability
Insurance for Carpenters and Joiners, you need to make sure that
you bear these things in mind when choosing your policy and running
Public Liability excesses
Given that the work covered by a Carpenters Public
Liability Insurance may differ, policy excesses will vary
according to your activities.
Statutory exemption from Employers Liability
If you run a family business in which your employees are closely
related to you, you would usually be exempt from Employers
Liability unless your business is run as a Limited company
Some insurers will restrict cover by applying height or depth
limits, or by restricting the use of heat equipment. You may also
find with certain Carpenters Insurance Policies that the
types of premises you are insured to work upon are restricted.
Theft of tools
Public Liability Insurance
You will know that tool theft is an occupational hazard for your
profession. Because of this, most insurers have conditions which
specify minimum security requirements to reduce the risk. For
example, your policy is likely to require that you store your tools
out of sight and inside a locked van or building overnight.