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Business Insurance for Self-Employed Carpenters
If you are a carpenter, then you will understand how important it is to protect your livelihood.
Everything from stolen tools to damage to your work, to the risk of injury can harm your business and your income.
So you should think about investing in carpenters' insurance to help protect your business from risks.
Your tools are essential to your livelihood. If they’re stolen or lost, you will be unable to complete your work. Including tools insurance as part of your public liability package can cover you and help replace your equipment, and reduce delays to your work or lost income.
Whenever you take on a construction project, there’s a risk of an accident to the public or damage to their property. A carpenters' insurance package including public liability can help ensure you’re protected should any claims arise. Public liability cover is a core component of your public liability package for carpenters.
Carpentry work can be physically risky. Employers liability insurance can help protect your business against compensation claims should your employees suffer injury or illness on the job. If you have employees, employers’ liability cover is usually mandatory.
No matter what project you take on, you could face unforeseen risks. Even the smallest mistake or accident can throw your whole business into chaos. Therefore, having carpenters' insurance can give you greater peace of mind.
Risks that Self-Employed Carpenters Face
Do I need carpenter insurance?
As a carpenter, you could face a number of risks on the job. Risks can come from loss or theft of equipment, damage to contract works or injury to the public or employees. That’s why carpenters' insurance is an important consideration.
Having carpenters' insurance in place can give you peace of mind. It can help cover you for a range of risks.
What is covered under an insurance package for carpenters?
Here are some of the things you can get cover for in a customised carpenters' insurance package:
What is not covered under carpenter insurance?
Carpenters' insurance will only cover the equipment and material that you use for work. For example, any tools you use at home that are also used for your business can be covered if they’re lost or damaged while they’re being used for your business activities. However, if the tools are only for personal use, then they won’t be covered by carpenter tool insurance.
How much is carpenter insurance?
How much you need to pay for your carpenters' insurance will depend on factors such as what type of covers and how much cover you need. It may also depend on where your business is located.