Running a one-person joinery business in the UK means wearing many hats. From crafting bespoke furniture to handling client relationships, self-employed carpenters often balance it all. However, one area that should not be overlooked is carpenter and joiner insurance.

Even if you operate solo, accidents and claims can still occur. Below, we outline why self-employed joiners might consider insurance and which covers could prove essential.

Why Sole-Trader Joiners May Need Insurance

Being self-employed does not remove business risks. You could face situations such as:

• A client tripping over your equipment on-site

• Accidental damage to a customer’s property

• Theft of your tools from a vehicle or workshop

While no policy can prevent these events, having the right insurance could help cover financial costs and protect your professional reputation.

Essential Insurance Covers for One-Person Joinery Businesses

Public Liability Insurance

Public liability insurance is widely regarded as essential for joiners and carpenters, whether working alone or employing others. It covers claims made by third parties for injury or property damage linked to your work.

For example:

• A client is injured by a falling wooden panel

• Damage occurs to flooring while fitting custom cabinetry

Many clients may request proof of public liability insurance before agreeing to hire you.

Tools and Equipment Insurance

A joiner’s tools represent a significant investment. Tools insurance can provide financial protection if they are stolen, lost, or accidentally damaged.

Common risks include theft from a van or damage while on-site. Without cover, replacing specialist tools could cause serious disruption to business operations.

Personal Accident Insurance

Working with power tools and machinery carries a natural risk of injury. Personal accident cover could provide financial support if you are temporarily unable to work due to injury.

For sole traders with no backup team, this type of cover may help with living expenses and business costs during recovery periods.

Optional Covers to Consider

• Commercial Vehicle Insurance: Ensures cover for vans or vehicles used in business operations, including goods in transit.

• Professional Indemnity Insurance: Relevant for joiners offering design or consultancy services that could lead to claims over faulty advice or workmanship.

Is Joiner Insurance Legally Required for Sole Traders?

In the UK, employers’ liability insurance is legally required if you employ staff. However, if you work completely alone, this specific cover is not necessary.

Other covers, such as public liability or tools insurance, are not legally required but are widely regarded as essential protection for tradespeople working independently.

Protecting Your One-Person Carpentry Business

Being a sole trader means carrying the full weight of business risks. From injury claims to stolen equipment, the right insurance could help safeguard both your finances and professional reputation.

We help arrange joiner and carpenter insurance suited to sole traders, ensuring cover that aligns with your specific trade and setup. By reviewing your needs carefully, you can focus on quality craftsmanship with confidence your business is protected against the unexpected.