Not under standard tradesperson insurance. Fire risks from wood dust in a permanent workshop setting would require specific property or workshop insurance that includes fire and explosion cover.
Only if you’re not charging a separate fee for the design service. The policy excludes professional advice or design for a fee, so if design is a charged service, you may need Professional Indemnity Insurance, which is not covered under this policy.
No additional cover is needed. Engineered wood products like MDF, plywood, or laminated timber are included under normal material usage, assuming they’re used within your trade.
Possibly, if the materials are your responsibility under contract and you have Contract Works cover, they can be insured against accidental damage, fire, or theft. Otherwise, they’re typically excluded under Public Liability.
Only under Employers’ Liability, if an employee makes a claim due to health issues like respiratory problems from wood dust exposure, and if negligence can be established.
For multiple machines in a fixed workshop (e.g., saws, planers, CNC routers), you will need commercial property insurance or workshop machinery cover in addition to your standard Plant & Tools cover, which is designed for mobile/on-site use.
Yes, your choice of tools or techniques does not affect coverage. However some powerered saws hold a higher risk so please check with us that or policy documentation if these are covered in specific situations.
Yes, as long as the work is part of your declared business and contract terms. However, working on listed or heritage buildings may carry special requirements or higher risks, so it’s please check with us for any clarification.
Most standard policies will cover ladder work up to a certain height (commonly around 10–15 metres), but this varies by provider. You should confirm your exact height limit in the policy schedule.
Yes. While your policy covers on-site activities, workshops or fixed premises typically require separate commercial property or workshop insurance to protect against risks like fire, theft, and equipment breakdown.
