Business insurance for Carpenters

When it comes to insurance for carpenters, the price you’ll pay depends on the covers you take out. For example, at Hiscox, professional indemnity insurance starts at £8.00*. But you may tailor that with other covers, such as public liability. 

*Figures based on an average of all professional indemnity policies sold to at least 10% of our customer base between January 2025 and January 2026

Yes, Hiscox business insurance policies can be tailored for many trades. For example, you can tailor your policy to suit your fencing, handyman, or interior design business.

When building your cover, just remember to make us aware about all aspects of your business, so we can make sure you’re getting the right policy to suit you. Also, keep in mind that not all insurance products will be available for all trades. Please contact us to chat with one of our experts. 

Public liability insurance can cover mistakes made by your employees, as long as they’re directly employed by you or your business. For example, this wouldn’t cover mistakes made by hired freelancers or contractors. However, public liability insurance could offer reassurance should one of your apprentices make an error.

If you are legally required to have employers’ liability insurance, for every day you don’t have it in place, you can be fined up to £2,500 by the government (external link). You may also be fined £1,000 if your employers’ liability certificate is not accessible or on display.

By law, most businesses and sole traders who employ others need employers’ liability insurance in place. There are some exceptions – for example, some family businesses – but it’s down to you to check whether this applies to you.