Framing Carpenters Insurance

Framing Carpenters 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)

Building the structural framework of homes and commercial properties demands exceptional skill, physical strength, and comprehensive insurance protection. As a framing carpenter, you’re responsible for creating the skeleton that holds buildings together – from roof trusses to floor joists, stud walls to structural beams.

At Carpenter Saver, we recognise that framing carpentry involves unique challenges that set it apart from other trades. Working at considerable heights, handling heavy timber sections, and bearing responsibility for structural integrity all require specialised insurance coverage that truly understands your specific risks.

Our policies have been meticulously crafted by insurance professionals who specialise in protecting tradespeople, ensuring you receive exactly the coverage you need for your framing work without paying for irrelevant extras.

What does framing carpenters insurance include?

Our comprehensive policy has been specifically designed for framing carpenters and includes:

• Public and Products Liability Cover – Starting at £1 million (upgradeable to £2 million, £5 million or £10 million), this essential protection shields you from claims if your framing work causes injury to others or damages property. It covers both ongoing work and completed structures.
• Financial Loss Protection – Included as standard with £10,000 cover (upgradeable to £50,000), this protects you if structural issues with your framing work result in financial losses for clients, such as project delays or additional construction costs.
• Legal Expenses Cover – Provides expert legal support and covers costs up to £250,000 for various disputes, including contract disagreements, building regulation disputes, and employment matters.
• Worldwide Liability Cover – Automatically includes temporary work abroad for up to 14 days (excluding USA and Canada), perfect if you take on occasional overseas framing contracts or specialty projects.

What optional covers should framing carpenters consider?

Beyond our automatic covers, several optional protections are particularly valuable for framing carpenters:

• Employers Liability Insurance – With £10 million cover, this is legally required if you employ anyone, including apprentices or casual labourers. Given the physical nature of framing work, protecting your team is essential.
• Tools and Equipment Insurance – Your specialist tools represent a significant investment. This covers theft or damage to expensive equipment like compound mitre saws, framing nailers, and laser levels, whether on-site or in transit.
• Contract Works Insurance – Protects partially completed framing work and materials on-site. If severe weather damages an incomplete roof structure before handover, this ensures you’re not liable for replacement costs.
• Professional Indemnity Insurance – Increasingly important if you’re involved in design aspects or advise on structural modifications. This covers you if errors in your professional judgement cause financial losses.
• Personal Accident Cover – Provides income protection if you’re injured and unable to work. Given the physical demands and inherent dangers of framing carpentry, this coverage offers crucial financial security.