Tradesman Insurance Quotes
Carpenters Insurance Cover
We are now able to offer carpenters/ joiners excellent rates for Public Liability Insurance, it is very easy to get a quote within minutes without filling in lots of different forms. If you want to purchase online and get instant cover with your Public Liability policy issued you in seconds simply click on the above button for quotes.
As a carpenter and/or joiner you will no doubt be visiting lots of different clients sites and projects and you need to protect you business against the possibilities of claims such as accidently damaging the property of your client or a third party, possible bodily injury to someone for instance if you dropped a hammer while you were on the roof and it hit someone or worst case scenario where your actions or indeed non-actions caused death.
The Public Liability Insurance policy drops in to defend any allegations about your work causing damage to property or bodily injury. This means that the insurance policy would help you to defend against a claim by appointing a solicitor or claims handler to help you with that process if you felt you were not at fault.
Where of course your carpentry business may have been at fault the Public Liability Insurance could also pay out damages awarded against the business or sole trader up to the level of insurance originally purchased.
Carpenters/ Joiners Employers Liability Insurance
If your carpentry business employs any staff you would have to consider obtaining Employers Liability Insurance (EL), even if you take someone on a part time or casual basis you need to hold this cover).
Employers Liability Insurance for carpenters/ joiners is a statutory requirement with a few exceptions and should be purchased as soon as you employ a member of staff, you can be fined £2,500.00 a day for failing to do so.
It could well be that you need to cover yourself for other types of insurance when offering your carpentry and joinery services, such as; Directors & Officers Insurance, Product Liability, Building Insurance, Contractors All Risk, Personal Accident Cover, Tools cover and Professional Indemnity Insurance (where you design).
Naturally we are very happy to conduct a full insurance requirement audit for your carpentry/ joinery business, please feel free to give us a call on 01323 648 000 where we would be happy to offer you advise.