What types of liability insurance do carpenters need?

Carpenters liability insurance might one day save your ability to trade and earn money.

If you deliver or install you work on a client’s site, there is always a risk of damaging their property. Usually this is easily fixed but we see claims every year for more serious accidental damage to building work or tradesmen breaking very expensive or irreplaceable items.

Carpenter’s workshops and woodworking factories are not the safest places for those who aren’t familiar with them. If a client comes to your workshop to discuss plans, make payment or collect finished items, there is always the small chance they might have an accident. Personal injury claims often cost tens of thousands in legal fees and compensation. We are now seeing a new level of claims as well. In cases of serious injury, claims have risen into the millions over the last decade.

Public liability insurance will cover the costs associated with being taken to court as well as any damages awarded against you.

If you employ full time or temporary workers, whether carpenters or general help, the law says that you must take out employers liability insurance. In the event that any employee has an accident, this could indeed be valuable cover.

• For more information read the employers liability fact sheet or what is liability insurance.
• Why not try our liability insurance comparison system for tradesmen or professionals
• Help with our system can also be found in our liability insurance help menu