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Carpenter Insurance Checklist: 6 Policies You Shouldn’t Overlook
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…
Carpenter & JoinerInsurance
Carpenter & Joiner Insurance
Public liability, tools and workshop cover for carpenters and joiners, whether you fit on site or build bespoke pieces off it.
Public liability, tools and workshop cover for carpenters and joiners, whether you fit on site or build bespoke pieces off it.
Tools & van theftWork in progressCustomer property
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Speak to a specialist 0330 027 0996
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What is carpenter & joiner insurance?
Carpenter and joiner insurance is a combination of covers built around woodworking, fitting and site carpentry, public liability for injury or damage, employers’ liability if you have staff, and tools cover for the kit you carry. If you also run a workshop, that brings its own risks around fire, machinery and stock.
If you design bespoke pieces, staircases, fitted furniture, kitchens, you’re making decisions a client relies on, which is where professional indemnity comes in alongside public liability.
Carpenter & joiner insurance can include:
Public liabilityEmployers’ liabilityTools & equipmentProfessional indemnity (if you design)Machinery breakdown (add-on)Business van insurance (separate policy)
Cover often bought alongside carpenter & joiner insurance
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Professional Indemnity
Covers claims that your design or measurements were negligent.
Workshop Contents
Protects timber stock, machinery and equipment kept at your workshop.
Tools & Equipment
Covers your tools against theft from the van, site or workshop.
Do you need public liability or professional indemnity?
Do you need public liability or professional indemnity?
Many carpenters and joiners need both. They cover different kinds of mistake.
Many carpenters and joiners need both. They cover different kinds of mistake.
| Situation | Public liability | Professional indemnity |
|---|---|---|
You fit to someone else’s design or spec | Usually enough on its own | Not the main risk |
You design bespoke furniture, staircases or fitted joinery | Recommended alongside Professional Indemnity | This is exactly what it’s for |
Your work damages a client’s property | Covers the physical damage | Won’t respond to physical damage on its own |
A client says your measurements or design were wrong | Only if the mistake has caused injury or physical damage | Covers a claim that your measurements or design were wrong |
Top Tip
If you only ever fit to someone else’s drawings, public liability usually covers you. The moment you design or measure up a bespoke piece yourself, professional indemnity becomes worth considering too.
How much does carpenter & joiner insurance cost?
There’s no fixed price. It depends on the type of carpentry you do, whether you have a workshop, whether you have staff and your claims history.
Type of carpentry work
Bespoke joinery carries different risk to first-fix or general carpentry.
Number of staff
More employees increase your employers’ liability exposure.
Workshop or site-only
Running a workshop adds machinery and stock risk to price in.
Level of cover
Adding professional indemnity or workshop cover increases your premium.
Value of your tools
More expensive kit and machinery means a higher premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get carpenter & joiner insurance
How to get carpenter & joiner insurance
Getting carpenter & joiner insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting carpenter & joiner insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
The type of carpentry you do, and whether you have a workshop or staff.
2
Choose your covers
Public liability, tools, workshop cover and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and working
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Carpenter & joiner insurance guides
Carpenter & joiner insurance guides
Practical advice on cover, workshops and bespoke design work.
Practical advice on cover, workshops and bespoke design work.
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Carpenter & joiner insurance FAQs
Carpenter & joiner insurance FAQs
Straight answers on cover, workshops, bespoke design and cost.
Straight answers on cover, workshops, bespoke design and cost.
Carpenter and joiner insurance is a combination of covers built around woodworking and fitting work: public liability for injury or damage, employers’ liability if you have staff, and tools cover, with workshop contents cover if you run one.
Still have questions?
Our advisers are here to help you find the right solution.
Related trades we cover
Related trades we cover
Carpenters and joiners often work alongside these trades. Each has its own cover requirements.
Carpenters and joiners often work alongside these trades. Each has its own cover requirements.
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Kitchen & Bathroom Fitter Insurance
Fitted units and worktops that carpentry skills overlap with.
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Glazier Insurance
Frames and openings glazing is installed into.
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Builders Insurance
Main contractors coordinating carpentry within a wider build.