Why choose Howden for Carpenters’ Insurance?
We know how difficult and stressful it can be for tradesmen to find the insurance policies they need, and that’s why we do our best to do the heavy lifting instead, so you don’t have to. Thanks to the brilliant relationships we have with our selected panel of both standard and specialist insurers, we’re able to make the process of sourcing various different carpentry insurance options, on your behalf, simple and straightforward.
Here at Howden, our team of experts understand that each carpenters' insurance policy needs to be unique and tailored to each owner and their carpentry business. That’s why we provide personalised services to our clients, which focuses on getting to know you and your business better, whilst also learning more about what you want from your carpentry insurance policy.
So, what are you waiting for? Whether you need to make a claim, purchase a new carpenter insurance policy, or renew an existing one, just know that we’re always here to help.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
Do carpenters need insurance?
Yes, if you’re working as a carpenter, you do need to have insurance, regardless of whether you’re operating on your own as a self-employed carpenter, or as part of a limited company. Trade associations, for example, are also likely to expect that a carpentry business has some form of insurance behind them.
Anyone that works in the industry will tell you all about the potential dangers that come with being a carpenter, such as accidental damage to a customer’s property or the risks that come with using dangerous tools and business equipment. It’s reasons such as these that make it vital that carpenters and anyone in the building trades consider what level of insurance they require.
Who do we also insure?
Not only can we help carpenters, but we can also offer cover for a wide range of other tradesmen, such as:
Here at Howden, we appreciate that you only want to pay for the protection that you absolutely need. However, we also want to make sure that you also have the option to pick and choose from the full, diverse range of insurance cover options available to carpenters, so here’s what’s on offer…
Types of insurance for carpenters
In the event that there’s any accidental injury or property damage liability claims made by members of the public or your customers, you can trust that public liability insurance protects you and your business.
Legally required if you have anyone working for you, employers’ liability protects your business and your employees.
Designed to protect carpenters from any financial losses that stem from professional negligence or errors.
Bank on tools insurance to cover you in the event that you're a victim of theft, or your carpentry tools are lost or damaged. Mobile phones could also be covered.
Carpenters' Legal Expenses Insurance
Legal expenses insurance covers for any legal fees that arise following claims.
Personal accident cover can provide either a regular income or lump sum in the event that anyone under the policy is accidentally injured or cannot work.
Take your carpentry work on the road? Stay on the road in case something goes wrong with comprehensive van insurance
How much a carpenters' insurance policy can cost will vary from insurer to insurer. In fact, an insurance premium can depend on several factors, including:
- The level of cover you choose
- The amount you opt to pay for your excess cover
- Where your business operates and its size
Contact us and we can find out right away how much your carpenter insurance would cost you, based on the comparative research we conduct across our panel of selected insurers. Any client of ours can also opt to pay upfront or by direct debit through monthly instalments. It's your call.
What insurance do I need as a self-employed carpenter?
The two types of insurance cover you’ll need most as a self-employed carpenter, are public liability insurance and, if you employ anyone, employers’ liability insurance. Employers’ liability cover is legally required if you have employees, whereas public liability is not mandatory, but highly recommended.
Outside of those policies, sole traders and small businesses could take out extra forms of cover, including:
- Tools insurance
- Van insurance
- Professional indemnity insurance
- Personal accident insurance
- Business insurance
Are my employees covered from personal injury?
With employers’ liability cover you can protect an employee if they fall ill or are injured as a result of the work they do for you. This is also a legal requirement, so make sure that you have this policy if you have any employees!
Public liability insurance for self-employed carpenters - how does it work?
Public liability claims are made if a member of the public, customer, or supplier is negatively impacted by the result of your work. Their property might be damaged, or they might be accidentally injured, and public liability insurance will cover you against the costs that come from compensating the claims.
What's the difference between a carpenter and joiner?
You’ll might have seen that many insurance providers offer “Carpenter and Joiner Insurance” as, and that’s because their roles are very similar.
In essence, a joiner's job is to assemble objects by connecting wooden components without the use of metal fasteners, screws, or nails. Subsequently, a carpenter installs these assembled items on-site, typically employing metal fasteners, screws, and nails. Additionally, the carpenter may be responsible for tasks such as installing locks and door hardware.
Get in touch with us, and we can discuss your occupation, whether you’re a carpenter or a joiner, and help you find an insurance policy that makes the most sense for what you do.
Want to learn more about insurance for carpenters? Have a read of the articles below that you can find on the Howden Blog!
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Try us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.