Yes, hand tools are covered under Owned Tools insurance and can be protected while off-site with the Tools of Trade extension — as long as they’re kept in a locked and unattended vehicle or secure storage.
Accidental damage to a customer’s property, such as scratching floors or damaging walls during installation, is covered under Public Liability, provided the damage was not intentional or due to negligent practices.
No, these materials are covered as part of standard joinery activities. Just ensure the value of your materials is reflected accurately in your Contract Works or tools cover.
Yes, if the damage is accidental — such as spills or staining surrounding areas — Public Liability can cover it. However, damage due to incorrect application or failure to follow product instructions may not be covered.
Yes, this type of work is covered as long as it’s part of your disclosed business activities. Due to the complexity of listed buildings, ensure the job doesn’t exceed contract value or duration limits, and disclose any heritage work to the insurer.
This may be covered under Public Liability, but only if the woodwork is not part of the area you’re actively working on. Damage to surfaces under restoration is generally excluded unless Contract Works applies.
Yes, if you hold Contract Works cover, your materials are protected against loss or damage while stored at a job site, as long as they are stored securely. Theft from unsecured areas may not be covered.
No, delays or financial losses from material defects, including warping or expansion, are not covered. The policy excludes penalties, missed deadlines, and material failure not caused by an insured event.
If the structural issues are a result of accidental damage during your work, Public Liability may cover you. However, any damage arising from faulty design, poor installation, or defective workmanship would be excluded.
Yes, both portable and non-portable tools are covered under Owned Plant & Tools (up to £75,000), or Hired Plant & Tools if rented. Tools must be securely stored when not in use to remain insured.
