Furniture Makers Insurance

Furniture Makers Insurance

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)

Creating beautiful, bespoke furniture is both an art and a craft, but it comes with unique risks that standard business insurance might not adequately cover. Whether you’re crafting one-off pieces in your workshop or running a larger furniture manufacturing business, having the right insurance protection is essential for your peace of mind and financial security.

Furniture making involves working with expensive materials, specialised tools, and often dealing directly with customers who have specific expectations. A single accident, mistake, or unforeseen incident could potentially cost thousands of pounds without proper insurance coverage. That’s where Carpenter Saver’s tailored furniture makers insurance comes in, offering comprehensive protection designed specifically for your trade.

What does furniture makers insurance cover?

Our standard furniture makers insurance policy includes several essential covers that protect different aspects of your business:

Public Liability Insurance (up to £5 million)

This crucial cover protects you if a customer or member of the public is injured or their property is damaged due to your business activities. For instance, if a customer visits your workshop and trips over timber offcuts, or if a chair you’ve made collapses and injures someone, public liability insurance covers the compensation costs and legal fees.  The standard limit is £1 million but this can be increased for an additional charge.

Products Liability Insurance

This protects you against claims arising from furniture you’ve made and sold. If a dining table you crafted develops a fault that causes injury or damage after delivery, products liability insurance ensures you’re covered for any resulting claims.

Financial Loss Cover (£10,000 standard, £50,000 optional)

This covers you for pure financial losses that don’t involve physical injury or damage. For example, if a delay in completing a commission causes your client to lose money, this cover protects you from the financial consequences.

Legal Expenses (up to £250,000)

Legal disputes can arise unexpectedly, whether it’s a contract disagreement with a supplier or a customer dispute. This cover helps with legal costs and gives you access to expert legal advice when you need it most.

How much does furniture makers insurance cost?

The cost of your insurance depends on several factors, including your annual turnover, number of employees, claims history, and the types of furniture you make. A sole trader creating small decorative pieces will typically pay less than a larger workshop producing commercial furniture.

Our policies start from £55 per year for basic public liability cover, but most furniture makers opt for additional covers to ensure comprehensive protection. The peace of mind that comes with knowing your business is properly protected far outweighs the modest cost of insurance.