Insurance for carpenters – why it matters
With a practical trade like carpentry, insurance protects you against the things that can take you by surprise. Attention to detail and craftsmanship are at the heart of your work, but that doesn’t mean you won’t come up against disagreements, and if you’re giving advice, clients could blame you if things don’t turn out as they expect. You also need to think about injuries to yourself, your employees and even your clients.
Why carpenters need business insurance
Mistakes in your work
A mistake in a project could mean you don’t get a client’s flooring finished in time for a big event, meaning they lose money or face their own claims from their clients. Advice that makes sense at the time, but is misinterpreted by the client, might result in them ruining an expensive set of furniture. Whatever happens, if you or an employee gets it wrong, we’ll cover the cost of dealing with a claim.
Accidents and injuries
You could accidentally damage a water pipe while working and cause water damage to a client’s home. Or someone might trip and hurt themselves on some tools your employee left unattended. Public liability claims can come in all shapes and forms but if you find yourself facing one, we’ve got you covered.
Broken equipment
You can’t work without the tools of your trade and if something breaks it can cause real problems. Alongside having to fork out for repairs or replacements you’re left dealing with disgruntled clients while things come to a halt. Our portable equipment insurance protects your valued tools against damage, loss and theft so you can get back to work as quickly as possible.
If you’re not sure what you need, tell us a little more about your carpentry business. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for carpenters
Public liability insurance
Whether you’re working on a major public building or carrying out repairs in a client’s home, public liability insurance protects you if someone claims they were injured or that their property was damaged because of you or the services you provide. If you accidentally break something or they hurt themselves while you’re working on their project, whether it’s your fault or not, we’ll cover the cost of dealing with a claim.
Cyber and data risk insurance
Carpentry may be an ancient trade, but today almost every business uses the internet to some degree, whether it’s managing a social profile, emailing clients or processing payments. If you hold or process important client data and information about your own business, you need to make sure you’re covered for any breaches. Data can accidentally be leaked by you or an employee, or you could be the target of a deliberate cyber crime.
Tools insurance
Success in your trade depends on your own skills and experience, but you need to be able to count on your tools and equipment while you’re on the job too. Tools insurance covers your equipment against damage, loss and theft, as well as any other gadgets you use for work like mobile phones and laptops. It’s a key consideration if you’re using expensive, specialist equipment in various locations for your job.
These are just some of the types of business insurance for carpenters that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
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