FAQ Category: Carpenter insurance

If the items are in transit and covered under Contract Works or Owned Tools, you may be protected. However, standard cover excludes damage during delivery unless transported securely and in connection with your work.

No, both are covered under Owned Plant & Tools insurance. You can also add the Tools of Trade extension to protect them while stored in locked vehicles or while working off-site.

Yes, height work is covered, but make sure you’re working within any specified policy height restrictions. If you’re frequently working at significant heights, it’s worth confirming your insurer’s specific conditions

They can be covered under the Tools of Trade extension but only if stored in a locked vehicle or secure area. Theft from an unlocked van or unsecured site is typically excluded.

Yes, both types of installation are covered as long as they fall within your declared trade. Damage to these items before installation may be covered under Contract Works; however, incorrect installation or fitment errors are not.

Not if the failure is due to defective design, materials, or workmanship. However, if the structure causes accidental third-party injury or property damage, Public Liability may cover you but not the cost to repair or rebuild the structure itself.

Yes, apprentices are covered under Employers’ Liability, which is a legal requirement if you employ staff. Make sure your employee count is up to date to ensure adequate protection.

No, both structural and decorative carpentry are covered under the same policy, as long as they’re part of your declared business activities. If you’re undertaking large-scale structural work, ensure the contract value doesn’t exceed the policy limits (e.g. £2 million).

No. Mistakes in measuring, cutting, or fitting are considered poor workmanship and are excluded from cover. Insurance will not pay to remake or refit custom joinery that doesn’t fit.

Damage to materials that are part of your active project won’t be covered under Public Liability, as they’re considered part of the property you’re working on. However,under Contract Works it can cover accidental loss or damage to wood and materials under your care, up to the selected limit.