Carpenters Insurance

Specialist business insurance for carpenters, from £3.96 per month.*

  • Join over 150,000 customers**
  • Get a quote in under 60 seconds
  • Public Liability for Carpenters
  • Tools and equipment cover
  • Employers’ Liability and more

From £3.96* a month

Trusted by thousands...

Our reviews speak for themselves, with highly rated feedback from over 3,000 customers.¹

What does carpenters insurance cover?

Our Carpenters insurance provides the crucial business cover you need to guard against potential claims, helping you operate with confidence and avoid financial risks. It includes Public Liability as standard, with the option to add extras like Employers’ Liability, Contractors Works cover, and Plant & Tools cover, all tailored to fit the unique needs and scale of your business. So, if you operate as a sole trader or run a larger business we can provide the cover you need.

Our policy is designed with flexibility in mind, allowing you to customise our Contractors All Risk cover to suit your specific needs. You can select the level of cover required for contractor works and any plant or tools you own or hire. By choosing one or more of these options, employee tools and personal belongings will also be covered, up to £500.

Make sure you have the correct insurance for your trades and be sure to check if any exclusions are relevant to what you have planned in policy documentation.

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Public Liability

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Employers' Liability

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Contractors Works

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Plant & Tools

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Financial Loss

Why do you need carpenters cover?

Carpenters insurance is necessary protection for yourself, your assets, your employees, and your clients from various risks and liabilities associated with your carpentry work.

By investing in insurance coverage, carpenters can operate their businesses with confidence, knowing that they have the necessary protection in place to mitigate potential risks and uncertainties. Take a look at some situations where you need insurance:

Protection from claims if an client suffers injury.

Accidents can happen whilst onsite providing carpentry work, for instance unintentional injury to a client or bystander from a wood fragment.

Public liability insurance for carpenters protects you from financial liabilities arising from such incidents by covering the costs of legal fees, compensation claims, and any associated expenses.

An employee or temporary worker has an accident during work.

Carpentry work brings a number of risks from the nature of the work and tools involved. If employees or temporary workers are involved in an accident in the workplace they could bring a claim against you for medical expenses, rehabilitation costs, and lost wages.

Employers’ liability is a legal obligation to protect you from these situations, with fines of £2500 per day for failing to comply.

Our experts explain why...

“Our carpenter’s insurance is built around the unique risks of woodworking professionals. Beyond essential liability coverage, we protect against the specialised challenges carpenters face daily – from cover for Contractors All Risks, which is designed to protect your material responsibilities when undertaking contracted work, to protecting valuable tools and equipment.

Our polices allow you to focus on your craftsmanship, knowing you’re protected against the specific risks you might encounter.”

Chris Trotman, Protectivity Underwriting Manager

Making claims clear and simple

We work with our claims handling partners to make the process of making a claim as easy as possible.

Claims data as of 01.10.2024

£4.5million

paid in claims

£188081

largest claim paid

How much does carpenters insurance cost?

At Protectivity, Carpenters Insurance starts from just £3.96* a month.

The cost of carpenter insurance can vary depending on several factors from the size of your business to the type and amount of equipment you need to cover. If you employ staff, for example, then your policy will need additional cover in employers’ liability, at a higher cost.

Investing in specialist carpenter insurance is not just about protecting you from financial losses. It’s a small price to pay to provide additional, professional credibility that you are operating your business responsibly.

 

Prices from

£3.96* a month

Explainer quote

Policy cost

£3.96* a month

Policy type

Carpenter Insurance

Duration

Annual

Turnover

up to £250,000

Public Liability

£1,000,000

This example is based on a real quote from our website on 06/03/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.

Have a question?

For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.

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Help & Support

Find answers to your questions and other assistance.

Why choose Protectivity for your carpenters insurance policy?

Let the reviews of over 3,500 customers explain why you should choose us.¹

Trusted by over 150,000 customers.

Experienced insurance providers for over 30 years.

Over 3,500 highly rated reviews.

Proof of our excellent customer service.

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Experienced Claims Handling

A smooth and efficient claims process.

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UK Based Customer Support

Our UK sales team are here to help.

Frequently
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This page content has been created for general information and should not be taken as advice.

*Prices quoted refer to a quote raised from our website 06/03/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.

** Based on Protectivity sales data from 2007 to Sep 2024

¹Based on live Feefo data