For self-employed carpenters and joiners in the UK, having the right insurance in place is about more than ticking a box. From protecting valuable tools to covering liability claims, carpenter insurance could play a vital role in keeping your business running smoothly if things go wrong.

Below, we highlight six essential covers that carpenters and joiners should consider when arranging insurance.

1. Public Liability Insurance

Arguably the most important cover for any tradesperson, public liability insurance protects against claims from third parties for injury or property damage linked to your work.

Typical examples include:

• A customer tripping over a cable while you are working

• Accidental damage to flooring or fixtures during joinery work

Many commercial clients could require proof of public liability cover before allowing work to begin.

2. Tools and Equipment Insurance

Tools are a core part of any carpenter’s trade. Whether hand tools, power tools, or larger machinery, tools insurance can cover repair or replacement if they are lost, stolen, or damaged.

Carpenter tools are often stored in vans or left on-site, making them vulnerable to theft. Having cover in place helps reduce business disruption.

3. Employers’ Liability Insurance

If you employ anyone in your business, employers’ liability insurance may be legally required in the UK. This cover protects against claims made by employees for injury or illness linked to their work.

Even if you only hire casual or part-time workers, arranging this cover helps ensure legal compliance and financial protection.

4. Contract Works Insurance

Carpenters involved in larger projects may benefit from contract works insurance. This protects unfinished work, materials, and equipment on-site against risks such as theft, fire, or accidental damage.

For example, if a half-finished timber installation is damaged overnight, contract works cover could help with repair or replacement costs.

5. Commercial Vehicle Insurance

Most self-employed joiners and carpenters rely on vans or trucks to transport tools and materials. Standard vehicle insurance may not cover business use or goods in transit.

Commercial vehicle insurance ensures cover for both business driving and contents, which may be excluded under private policies.

6. Personal Accident Insurance

Working with power tools, saws, and construction sites naturally increases accident risk. Personal accident cover provides financial support if you are injured and unable to work for a period.

This could cover day-to-day living expenses or help with business overheads while you recover.

Choosing the Right Insurance for Your Carpentry Business

Whether you work alone or manage a small team, no two carpentry businesses have identical insurance needs. Factors such as:

• Type of carpentry or joinery work

• Value of tools and materials

• Number of employees

all influence which covers could suit your business best.

We help arrange carpenter and joiner insurance tailored to individual risks, supporting tradespeople in protecting both their reputation and financial security.

By taking the time to review your insurance needs carefully, you can focus on delivering quality craftsmanship with greater peace of mind.