Joiner Insurance

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

  • Join over 150,000 customers**
  • Get a quote in under 60 seconds
  • Joiner public liability insurance
  • 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 joiner insurance cover?

Our Joiners’ Insurance offers essential liability coverage to protect you from potential claims, enabling you to work with peace of mind and safeguard your finances.

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.

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 you need business insurance for joiners?

Insurance for joiners can provide the necessary protection for yourself, your assets, your employees, and your clients from various risks and liabilities associated with your carpentry work.

By investing in the right insurance, joiners 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 joining work, for instance unintentional injury to a client or bystander from a wood fragment.

Public liability insurance protects joiners 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.

Joining 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.

Accidental damage caused to plant and tools you own or hire.

As a self-employed joiner you may have access to specialist tools and plant equipment, to aid you in providing the work you are undertaking. These tools could be frequently subject to damage and loss.

Without Plant and Tools insurance, you’d have to cover the cost of replacing these expensive tools, which could impact your earnings. However, with the insurance in place, the cost of repairing or replacing your tools would be covered, allowing you to continue your work without financial worry.

Protection against tool theft from a locked vehicle

Imagine your tools are stolen from your van whilst parked offsite. Not all insurance will cover this scenario, leaving you out of pocket and without vital equipment to complete your work.

With our owned plants and tool cover you can extend your policy to include theft of tools from an unattended vehicle in your cover, up to £5000.

Our experts explain why...

“Our Carpenters and Joiners insurance is designed to protect professionals working in the woodworking and construction industry across the UK. Our specialist cover goes beyond standard liability insurance, offering protection against workplace accidents, damage claims, and equipment losses.

We protect your tools, materials, and contracted work—whether owned or hired—along with coverage for your team’s equipment and potential staff claims. This includes Contractors All Risks coverage, ensuring your materials are protected during projects, as well as cover for both hired and owned plant and tools.

Our policy is specifically tailored to the needs of carpenters and joiners, who rely on precision, skill, and specialist equipment. With protection in place, you can focus on your craft with confidence, knowing your business is covered against unexpected risks.”

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 joiner insurance cost?

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

The cost of business insurance for joiners can vary depending on several factors, for example, if you employ staff then your policy will need additional cover in employers’ liability, at a higher cost.

Investing in specialist joiners’ insurance is not just about protecting you from financial losses. It’s a small price to pay to provide additional financial support in case things go wrong.

Prices from

£3.96* a month

Explainer quote

Policy cost

£3.96* a month

Policy type

Joiner 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 joiner 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 06/03/2025. 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