Carpenters andJoiners

Some of our Insurance providers

Carpenters Insurance

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 place.
  • 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 craftsman?

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 covered!

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 107 8949

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, Towergate Underwriting Group Ltd.

Key features of our policies

All of our Carpenter and Joiner Insurance policies provide cover for:

Public Liability
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 activities.

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.

Optional features

Employers Liability
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 drills)
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 bench saw)

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 your business:

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 cover
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

Policy restrictions
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
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.


 Carpenters Public Liability Insurance