We cover all types of carpentry including general carpentry, joinery, cabinet making, furniture making, fitted kitchens, staircases, flooring, roofing carpentry, and bespoke woodworking projects.

Yes, public liability insurance is essential for carpenters as it covers third party injury and property damage claims that can occur during on-site work and customer interactions.

Tools and equipment insurance covers theft from your van, workshop, or job sites, including replacement costs and temporary hire charges to keep your business running.

Yes, employers liability insurance covers workshop accidents involving employees or subcontractors, while public liability covers visitor injuries in your workshop premises.

Professional indemnity insurance covers claims arising from defective workmanship, design errors, and professional advice that results in financial loss to clients.

Our policies can be tailored to cover multiple carpentry specializations under one comprehensive policy, from general carpentry to specialized joinery and furniture making.

Contract works insurance covers materials, supplies, and work in progress against fire, theft, vandalism, and weather damage during carpentry projects.

Yes, employers liability insurance covers apprentices, trainees, and work experience students working in your carpentry business, including workshop and on-site activities.

Personal accident insurance can provide income protection if you're unable to work due to injury, while business interruption insurance covers loss of income during workshop repairs.

Personal accident insurance can provide income protection if you're unable to work due to injury, while business interruption insurance covers loss of income during workshop repairs.

Yes, employers liability insurance covers subcontractors working under your direction, while you should verify that subcontractors have their own public liability insurance.

Public liability insurance covers accidental damage to customer property during carpentry work, including structural damage, decorative damage, and utility service disruption.

Standard exclusions include deliberate damage, criminal acts, work outside your trade competence, and pre-existing defects. Full exclusions are detailed in policy documentation.

We typically need details about your carpentry specialization, annual turnover, employee numbers, tool values, workshop location, and previous claims history for accurate quotation.

Yes, our policies cover mobile carpentry services including on-site work, tool transportation, and customer premises liability for carpenters working away from fixed workshops.

Contact us immediately on 0330 127 2333. We provide rapid claims processing with trade specialists who understand carpentry operations and the importance of quick tool replacement.

Yes, you need separate commercial vehicle insurance for vans and vehicles used for business. Our tools insurance covers tools in transit but not vehicle damage or liability.

We offer flexible payment terms including annual, quarterly, or monthly payment options to help manage insurance costs for carpentry businesses.

Buildings and contents insurance covers workshop fires, including wood dust fires, electrical fires, and machinery-related incidents, plus business interruption during repairs.

Professional indemnity is recommended for carpenters providing design advice, specifications, or project management services, as it covers financial loss claims from professional errors.

Carpentry insurance costs typically range from £300-£800 annually for sole traders, £800-£2,000 for small carpentry businesses, and £2,000-£5,000+ for larger operations with multiple employees. Costs depend on turnover, specialization, tool values, and coverage levels required.

Carpenters with employees are legally required to have employers liability insurance. While public liability isn't legally mandatory, it's essential for customer contracts and many clients require minimum £1-2 million coverage before allowing work to commence.

Yes, self-employed carpenters need public liability insurance for customer protection, tools insurance for equipment security, and professional indemnity for design advice liability. Most clients require proof of insurance before starting work.

Tools and equipment insurance covers theft from vans, workshops, and job sites. This includes hand tools, power tools, and equipment with coverage for replacement costs and temporary hire charges during replacement periods.

Yes, carpentry insurance premiums are typically tax-deductible business expenses for self-employed carpenters and carpentry companies. This includes public liability, tools insurance, and professional indemnity premiums.

Kitchen fitters need public liability for customer property damage, professional indemnity for design errors, tools insurance for equipment protection, and contract works insurance for materials and work in progress.

Yes, carpenters working at height need enhanced public liability coverage and employers liability for staff safety. Additional coverage may be needed for scaffolding, ladder work, and roofing carpentry activities.

Buildings and contents insurance covers workshop fires including wood dust fires, electrical fires, and machinery incidents. Business interruption insurance covers loss of income during workshop repairs and alternative premises costs.

Yes, furniture makers need specialized coverage including professional indemnity for design errors, product liability for furniture defects, and enhanced tools insurance for precision woodworking equipment and machinery.

Cabinet makers need public liability for installation work, professional indemnity for design services, tools insurance for specialized equipment, and product liability for manufactured cabinets and fitted furniture.

Yes, employers liability covers employee injuries from power tools, while public liability covers third party injuries. Personal accident insurance can provide additional protection for self-employed carpenters using dangerous equipment.

Professional indemnity insurance covers financial losses arising from measurement errors, calculation mistakes, and specification errors that result in material waste, project delays, or customer compensation claims.

Yes, staircase specialists need enhanced public liability for structural work, professional indemnity for design compliance, and contract works insurance for materials and installation work in progress.

Roofing carpenters need enhanced public liability for height work, employers liability for staff safety, tools insurance for specialized equipment, and weather-related coverage for work interruption.

Yes, public liability insurance covers dust and debris damage to customer property, neighboring premises, and vehicles. This includes sawdust damage, wood shavings, and cleaning costs from carpentry work.

Employers liability insurance covers apprentices and trainees working in carpentry businesses. This includes workshop training, on-site learning, and college placement activities under your supervision.

Yes, heritage carpentry work requires specialized coverage including enhanced professional indemnity for conservation advice, increased public liability for valuable properties, and specialist materials coverage.

Timber frame specialists need enhanced contract works insurance for structural work, professional indemnity for design compliance, and increased public liability limits for construction site activities.

Yes, professional indemnity insurance covers advice and consultation services including design recommendations, material selection, project planning, and cost estimation that could result in financial loss claims.

Legal expenses insurance covers contract disputes with customers, suppliers, and subcontractors including legal representation costs, mediation expenses, and settlement payments for carpentry contract issues.

Yes, flooring specialists need public liability for installation damage, professional indemnity for subfloor advice, and tools insurance for specialized flooring equipment and installation tools.

Professional indemnity insurance covers building regulation compliance errors, structural calculation mistakes, and fire safety specification failures that result in remedial work or regulatory enforcement action.

Yes, public liability insurance covers accidental water damage from carpentry work including pipe damage, utility service disruption, and flooding caused during installation or renovation work.

Tools and equipment insurance covers machinery breakdown, power tool failures, and workshop equipment repairs. Business interruption insurance covers income loss during equipment replacement periods.

Yes, outdoor carpentry work needs weather-resistant coverage including public liability for structural safety, professional indemnity for design compliance, and enhanced materials coverage for weather exposure.

Shop fitting carpenters need enhanced public liability for commercial premises, professional indemnity for design services, and contract works insurance for materials and installations in retail environments.

Yes, carpenters using digital design tools, customer databases, and online services need cyber insurance for data breaches, system failures, and GDPR compliance issues affecting customer information.

We provide claims advocacy support and can arrange independent loss adjusters or legal representation. Our policies may include legal expenses coverage for insurance disputes, helping challenge declined claims through proper appeals processes.