Public liability insurance for a carpenter or joiner, for less than £55 per year
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As a carpenter or joiner, you know that your business comes with its own set of risks. Any trade that works with power tools for a living can be particularly dangerous, but since you sometimes have to work in a client’s property, that can bring a whole new set of risks to the table. This is why having a comprehensive joiners or carpenters insurance policy in place is so vital to the financial wellbeing of your business.
Carpenters and joiners would benefit from many of the policies included in Carpenter Saver’s automatic cover. The most useful of these is public liability insurance, which provides protection if any work conducted by you or your team leads to property damage or third party injury. Our automatic covers also include financial loss, legal expenses, and more.
Other relevant insurance for carpenters and joiners include employer’s liability, which is a legal requirement for anybody who employs staff. Considering the risks inherent in working as a carpenter or joiner, having a policy in place which saves you from footing the bill yourself if a member of your team falls off a ladder, for example, is a major asset. Carpenter Saver can provide all the insurance coverage you may need as a contract worker, and the cost can be worked out via our online form below.
Last but not least is tool insurance. As someone who works with power tools on a regular basis, it’s definitely worth considering tools and equipment insurance as part of your policy. Since power tools are so expensive and difficult to replace, this insurance covers any tools and equipment you use for your business from theft or damage – which is all the more important in an age of rising tool theft.
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Complete our simple quote form with basic details about your business.
Compare quotes from our panel of insurers & chose any optional covers you may need.
Choose the quote that’s right for you, activate your policy and view your certificates online.
Whether you work as a joiner or a carpenter, public liability insurance can offer crucial financial cover in the event that your work leads to any damage or an accident happening to either you, one of your employees, or a member of the public as a result of your work. Whether you work as a one man band or you have a carpentry business and employ staff of your own, you want to protect what you’ve built, with insurance you can trust.
Carpenter’s insurance is a package policy. This means that you can choose what covers to include depending on your business needs. If all of your carpentry is done at your own premises, for instance, you wouldn’t need to cover your tools, equipment and materials on site. The core cover is public liability insurance and there are a number of optional extras that can be added.
At Carpenter Saver, our carpenters insurance policy was designed to suit the needs of those in the trade. This provides all-encompassing cover which wraps up all the important details in one comprehensive policy. Say your nail gun accidentally pierces a water pipe while you’re attaching a skirting board, leading to serious flooding. Without public liability insurance, you would have to pay out of pocket to cover the damages and repairs. Carpenters insurance can give you peace of mind in knowing that your business will be safe from any unforeseen circumstances.
* Total number of live policies as of 31/10/2025
Carpenters and joiners would benefit from several insurance policies, from public liability cover to financial loss cover. Rather than have to worry about purchasing individual policies, Carpenter Saver provides five key covers under a single automatic policy. We also provide additional cover options, including tools and equipment, professional indemnity and personal accident insurance, all of which are hugely beneficial to joiners and carpenters alike.
Despite carpentry and joinery being two different areas of expertise—with joiners focussing on the use of machinery to construct larger items, and carpenters primarily using hand tools to assemble wooden objects—joiners and carpenters can benefit from the same kind of insurance policy. However, depending on the nature of your work—including how dangerous it is—the cost of your policy may differ depending on which role you operate in.
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