Decking Installers Insurance

Decking Installers Insurance Insurance Cover

Our standard cover is:

• £1 million cover for public and products liability (with an option to increase to £2 million, £5 million or £10 million)
• £10,000 cover for any financial loss (£50K cover optional)
• Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Working in outdoor spaces and transforming gardens into beautiful entertaining areas is rewarding work, but decking installation comes with unique risks that require specialist insurance protection. Whether you’re building timber decking, composite structures, or installing glass balustrades, your business faces challenges that demand tailored coverage.

At Carpenter Saver, we understand the specific hazards decking installers encounter daily. From working with heavy materials and power tools to navigating weather conditions and managing structural installations, your trade requires insurance that truly comprehends these specialised risks.

Our policies have been crafted by insurance experts who focus exclusively on trades like yours. This ensures you receive precisely the protection you need without paying for irrelevant coverage.

What does decking installers insurance include?

Our comprehensive decking installers insurance policy provides multiple layers of protection specifically designed for your trade:

• Public Liability Insurance – Essential coverage that protects you if your work causes injury to others or damages their property. With cover starting from £1 million (upgradeable to £2 million, £5 million or £10 million), you’re protected against compensation claims and legal costs.
• Products Liability Cover – Crucial protection that covers you if any decking you’ve installed causes damage or injury after completion. This could include scenarios like decking collapse, loose boards causing trips, or failing balustrades.
• Financial Loss Protection – Included as standard with £10,000 cover (upgradeable to £50,000), this protects you if your work results in financial losses for your clients, such as a garden party cancellation due to unsafe decking.
• Legal Expenses Cover – Provides expert legal support and covers costs up to £250,000 for various disputes, including contract disagreements, regulatory issues, and employment matters.
• Worldwide Liability Cover – Automatically included for temporary work abroad lasting up to 14 days (excluding the USA and Canada). It’s ideal if you occasionally undertake overseas projects.

What optional covers should decking installers consider?

Beyond our automatic covers, several optional protections can significantly benefit your decking installation business:

• Tools and Equipment Insurance – Your specialised tools are essential to your work, and replacing stolen or damaged equipment can cost thousands. This cover protects your tools whether they’re in your vehicle, on-site, or in storage.
• Employers’ Liability Insurance – Legally required if you employ anyone (including apprentices or casual labourers), this provides £10 million of cover for claims from employees who suffer injury or illness due to their work.
• Contract Works Insurance – Protects materials and work in progress at your client’s property. If severe weather damages partially completed decking or materials are stolen from the site, this cover ensures you’re not left bearing the cost.
• Professional Indemnity Insurance – Increasingly important for installers who advise on decking design, load-bearing capabilities, or material choices. This covers you if your professional recommendations lead to problems or financial losses.
• Personal Accident Cover – Provides financial support if you’re injured and unable to work, helping maintain your income during recovery periods.