Carpenters Insurance Done Properly
We organise Insurance for Carpenters including Public Liability, Tools, Trailers, Utes and Personal Accident Insurance.
Getting insurance with CoverTradie is as easy as…1,2,3
Quick Phone Call
No Forms to Complete – We do that for you
Get Your Options
We do the heavy lifting of finding the right insurance for you
Pay And You Are Done
Monthly or Annual Payment Options
What is Carpenters Insurance?
Carpenter’s insurance is a general term used by many tradies as its an easy term to remember.
If you asked us, as insurance industry professionals, we see this a term which should include 4 key insurances that are relevant to Carpenters.
These 4 insurances are:
- Public Liability Insurance for Carpenters
- Tools Insurance for Carpenters
- Ute & Trailer Insurance for Carpenters
- Personal Accident and Sickness Insurance
Public Liability Insurance for Carpenters
Tradies know it very well how easy it is to make a mistake whilst working.
One minute you are going okay and the next minute one wrong hammer strike can result in un-intended damage to someone else’s property.
Accidents can result in significant costs to fix the damages, something no small business wants to incur. Carpenters Insurance that includes public liability insurance can take care of that.
A good public liability insurance policy can help protect your business from the financial loss that can happen. A policy which has conditions that are suitable for your trade and not just any generic policy.
We can set up your Public Liability Insurance for Carpenters correctly so that it covers you properly and with this being our day job, we know which are the right insurers and can save you time and money in identifying the right cover.
If you haven’t already seen our post on what does it cost to get the right insurance you can read this below:
Carpenters Public Liability Insurance Cost
This gives some insights into the cost comparison for Carpenters vs some of the other common trades.
Tools Insurance for Carpenters
Do you have a trailer full of tools and stock?
A range of power tools, compressors, ladders, platforms and all?
Do you make sure the trailer is aways securely locked up and still there is a worry on your mind that the tools can get stolen, either through a break-in at home or at the job site?
Well, you need Tool insurance for carpenters.
The insurance that you really need to be fully covered against theft of tools or damage is covered under the General Property Section of a Business Insurance for Carpenters.
Don’t be mislead by the insurer advertisements touting the cheapest insurance to cover tools because not all policies are the same. Issues to consider:
- Is Accidental loss and damage is covered? or
- Is the policy restricted to Fire, theft, collision and other expressed perils optional reduction in cover?
- what is the maximum claimable limit on any single unspecified item?
- Are there items that need to be insured under specified cover?
- Is theft of items in open air covered or does that restrict the claim where there are signs of visible forced entry?
- What is the basic excess on the policy and does that vary by claim type?
All of these things can have an impact on the claim outcomes hence why its important to set up this insurance properly.
Ute & Trailer Insurance for Carpenters
Most carpenters we meet have done a bunch of changes to their vehicles.
- Tool boxes at the back of the utes
- Racks on the roof
- Bullbars
- Driving lights etc.
All of these things cost money and your insurance needs to incorporate the value so that you are not out of pocket should a claim need to be made.
Trailer Insurance for Carpenters
Many people don’t realise that registered trailers need to be insured separately. We can organise suitable cover for your trailers.
Frequently Asked Questions about Carpenters Insurance
Can I pay my carpenters insurance premium by the month?
Yes, you sure can. When we organise your insurance, you will see the monthly payment option on the invoice and the various methods through which you can pay your insurance.
Types of Insurance for Carpenters?
This is the list of Types of Insurance for Carpenters:
– Public Liability Insurance
– Commercial Vehicle Insurance
– Tools Insurance
– Personal Accident Insurance
The above list is not exhaustive but the most commonly taken out insurance policies for carpenters. Depending on the size of your business, you may need many more types of insurances to organise adequate protection for your business.
Is Insurance for Carpentry Business mandatory?
Insurance for Carpenters is not mandatory by law however you will find that your customers will demand that you show them a Certificate of Currency for your insurance policy before they allocate a job to you.
Other businesses that you may work for as a sub-contractor will also ask for your certificate. Whilst not compulsory, market forces demand you have it and it’s a wise decision to get it because the biggest benefit is to you.
Incase your work results in damage to someone’s property or injury to others, your Public Liability Insurance Policy for Carpenters will help you prevent financial loss.
