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What is carpenter insurance?
Carpenter insurance, also known as joiners insurance, is a tailored contractors package designed to protect carpenters and related tradespeople. As a carpenter, you face a number of professional challenges related to your safety, your livelihood, and the safety of your clients. For example, working with power tools, cutting equipment and dangerous materials can be incredibly risky, as can operating a mobile business or working on third-party property.
Each of these risk factors needs to be taken into consideration when drawing up insurance for carpenters and other trades policies. Why take out multiple insurance policies and risk significant coverage gaps when you can get a specialised trades contract drawn up to meet the needs of your own business. Here at 1st Choice Insurance, we specialise in custom package insurance for carpenters, joiners and other tradespeople across the United Kingdom.
Who needs carpenter insurance?
Dedicated joiners insurance for carpenters businesses is advised for anyone who is working as a professional carpenter or joiner. Choosing the right coverage options can be tricky, which is why it’s so important to speak with the experts and get a policy tailored to your specific needs. Typical coverage options include public and products liability, general property, personal accident and illness, fire and theft, income protection, vehicle protection, goods in transit cover and many others.
As a carpenter, you’re exposed to occupational risks and hazards on a daily basis. For example, hardly a day will go by when you’re not working with hazardous materials such as woodchips, solvents, paint, sawdust, adhesives and other chemicals. Accidents and injuries are also common, with nail guns, circular saws and other potentially dangerous tools often causing problems. Carpenters also need to obtain carpenters liability insurance coverage in case they cause damage to third-party property or persons.