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Carpenters Insurance
Compare insurance for carpenters and joiners
Protect your tools, team and work with confidence
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Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for sole traders, including carpenters
Get cover to protect against claims from employees, customers & more
Get the protection you need with no needless extras
What is...
carpenters insurance?
Whether you’re crafting bespoke furniture or handling structural builds, carpentry comes with its fair share of risks. Carpenter’s insurance is designed to help protect your business from the unexpected, helping to cover anything from damaged tools and liability claims to workshop disasters.
Whether you’re a self-employed carpenter, a joiner or run a small team, we’ll help you to compare quotes find insurance tailored to your unique business needs.
What types of carpenters can get cover?
We can help protect the majority of carpenter and joiner trades, including:
- Self-employed carpenters working on domestic or commercial projects
- Joiners specialising in bespoke furniture or detailed woodworking
- Contractors handling large-scale builds or renovations
- Carpentry businesses employing staff or apprentices
- Tradespeople offering combined carpentry and other services
Can’t see your trade listed? It’s likely we can still help. Start a quote online to get started.
Why do carpenters need insurance?
From tools to timber, carpentry work involves significant risks. The right insurance can help protect you in situations such as:
- You accidentally damage a client’s property
- Your tools or equipment is stolen or damaged
- A client claims your work was faulty
- A fire or disaster damages your workshop or tools
- An employee gets injured on the job
With the right cover in place, you can focus on your craft, knowing you have cover in place.
What does carpentry insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance cover could include:
Public liability insurance
In case you injure someone or damage something while providing your services
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Professional indemnity insurance
In case a customer sues you for damages because of a mistake in your work.
Business interruption insurance
To provide compensation if a listed event stops your business from running normally.
Tool Insurance
Protects against theft, loss, or damage to your essential tools.
What doesn’t it cover?
While carpentry insurance provides a wide range of cover, there are some exclusions, including:
- Intentional damage – Damage caused on purpose isn’t covered.
- Neglect – Failing to secure your tools or maintain equipment may void your policy.
- General wear and tear – Normal ageing or wear on your tools and equipment are excluded.
Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.
How much does carpentry insurance cover cost?
Because all carpentry businesses are different, it’s difficult to give a solid figure for what you’ll be paying upfront, this is because your business is unique, and prices depend on a number of factors, including:
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on who is willing to insure you, the price for their policies will vary.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
- Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.
Do carpenters need insurance for tools?
As a carpenter, your tools are likely your livelihood - without them, you can’t get the job done.
Since tools and machinery are essential for your work, you should consider tool insurance to help protect you if they’re stolen or damaged due to an insured event.
What insurance do I need for apprentices?
Having apprentices is a great way to grow your business, but it’s important to have the right cover in place. Employers’ liability insurance is a legal requirement in the UK, it helps protect you if an apprentice falls ill or is injured as a result of the work they do for you.
Get carpentry insurance with Bionic
Carpentry work is all about precision and skill, and the right insurance helps protect what you’ve worked hard to build. At Bionic, we compare business insurance quotes from trusted insurers to find tailored cover that suits your needs.
Start a quote online today, or chat with our UK-based team for support.
Tailored cover for skilled carpenters. Protect your tools, work and business with insurance that understands woodworking risks.
James Barwell, Insurance Director
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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