Insurance for craftspeople, starting less than £55 per year
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Working with your hands to create beautiful, functional pieces requires skill, dedication, and the right tools. Whether you’re a furniture maker crafting bespoke pieces, a cabinet maker fitting custom kitchens, or a woodworker creating architectural features, your craft comes with inherent risks. Sharp tools, heavy materials, and working in clients’ properties all present potential hazards that could threaten your livelihood.
That’s why having comprehensive craftspersons insurance isn’t just sensible – it’s essential for protecting the business you’ve worked so hard to build.
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Trusted for over 40 years We’ve been providing insurance to businesses since 1984
Financial Strength All insurance policies provided by Standard & Poor’s A rated insurers
Our Tradesman Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.
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.
Every craftsperson faces unique challenges in their daily work. You might accidentally damage a client’s expensive flooring whilst moving heavy timber, or a customer could trip over your equipment during an installation. Without proper insurance, you’d be personally liable for any compensation, legal fees, or repair costs – expenses that could easily run into thousands of pounds.
Carpenter Saver’s craftspersons insurance has been specifically designed to address the risks you face every day. Our policies provide comprehensive protection that goes beyond basic coverage, ensuring you’re protected whether you’re working in your workshop, at a client’s property, or transporting materials between sites.
Understanding your insurance coverage is crucial for proper protection. Public liability insurance covers you if your work activities cause injury to someone or damage to their property. For instance, if you’re installing built-in wardrobes and accidentally drill through a water pipe, causing flooding, public liability would cover the repair costs and any compensation claims.
Products liability insurance, however, protects you after you’ve completed and handed over your work. If a bookshelf you built collapses months later, injuring someone or damaging their belongings, products liability would cover the resulting claims. Both types of cover are included as standard in our craftspersons insurance, giving you complete peace of mind.
Beyond our automatic covers, we offer several optional additions to create a policy that perfectly matches your needs:
Real-world examples help illustrate the value of comprehensive coverage. Imagine you’re installing custom shelving when your ladder slips, causing you to drop your drill through a client’s television. Or perhaps you’re delivering a handmade table when it slides in your van, damaging both the piece and the customer’s door frame during delivery.
These scenarios seem unlikely, but they happen more often than you think. With proper insurance, your provider handles the claims, allowing you to focus on your craft rather than worrying about financial ruin.
Ready to protect your crafts business with comprehensive insurance coverage? Get a quote today. It’s quick and simple – our online form takes just minutes to complete, and you’ll receive an instant quote tailored to your specific needs. With decades of experience insuring skilled tradespeople, we understand the unique requirements of craftspeople and can help you build the perfect policy for your business.
* Total number of live policies as of 31/10/2025
Premiums start from just £53.76 per year for sole traders, though your exact cost depends on several factors, including your specific trade, business size, claims history, and selected coverage levels. Limited companies typically pay slightly more, and adding optional covers like tools insurance or employers liability will increase your premium. However, our direct-to-customer model means we can offer highly competitive rates compared to traditional brokers.
Yes, insurance is important regardless of how many hours you work. Accidents can happen whether you’re working full-time or just weekends, and claims can be equally costly. In fact, part-time craftspersons sometimes face higher risks as they may be rushing to complete work around other commitments. We offer the same comprehensive coverage for part-time workers, ensuring you’re protected whenever you’re working.
Absolutely. We understand that your business needs may change over time. You might take on your first employee, invest in expensive new equipment, or expand into design work. You can adjust your policy at any time to add or remove optional covers, ensuring your insurance always matches your current requirements. Simply contact us to discuss changes, and we’ll update your policy accordingly.
From only£55per year 
From only£55per year 
From only£55per year 
From only£55per year 
From only£55per year 
