Carpenters Insurance
Carpenters Insurance Done Properly
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We organise Insurance for Carpenters including Public Liability, Tools, Trailers, Utes and Personal Accident Insurance.
Table of Contents
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.
3 Things You Should Focus On When Getting Your Carpenter Public Liability Insurance.
Coverage
Your exact Occupation must be displayed on your policy.
Exclusions
Sneaky little things that must be avoided. Check those.
Affordability
Low prices and an ability to pay monthly.
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.
Carpenters Insurance Quote
With CoverTradie you get
Solid Insurance Cover
Get peace of mind that you & your family are well covered
Affordable Pricing
Save money for the new ute, boat or for financial investments
Great Service
Professional insurance work, done quick and explained in plain English
Just like ordering an Uber, it’s as Easy as…
Quick Phone Call
To get some basic info about your business.
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.
Best Carpenter Insurance – Why choose CoverTradie?
Avoid
- Insurance doubts
- Getting ripped-off
- Unpaid claims
Get
- Clarity of cover
- Sharp pricing
- Managed Claims
Carpenters Insurance Reviews
See what our customers are saying…
I have been extremely impressed with the service we have received using CoverTradie.
We recently had an unfortunate break in at a property my business styled for sale. Our previous experience with insurance brokers had been terrible and took 6 months to get a simple claim approved for us. This was not the case with CoverTradie.
The claim was approved in a day, the process was extremely simple and efficient and the customer service was exemplary. It was such a relief to have such an easy process and we were so pleased we had changed to CoverTradie to be our insurance broker.
Due to this excellent service, I have also engaged CoverTradie to do the insurance on my personal property and contents insurance, as well as the contents insurance for my business and car insurance for my business.
I could not recommend their services more. They provide a smooth, stress free and highly efficient service that puts me as a business owner (and home owner) at complete ease.
We are very happy with the service and professionalism of Cover Tradie.
We know that our business insurance needs have been taken care of and that we are in good hands with the policy that has been selected for us.
We whole heartedly recommend any trades businesses out there looking for insurance to go with Cover Tradie.
CoverTradie was great at ensuring our plumbing business gets the right cover! They were responsive and gave us all of our options! Super reliable and easy to work with!
Frequently Asked Questions about Carpenters 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.
Can I pay insurance via monthly instalments?
Yes, we can organise a premium funding arrangement so that you can pay your premium in monthly instalments.
Does this insurance cover my employees?
It depends what the issue is! If one of your employees has caused a damage to a third-party on a job site, then yes, the public liability policy should responds. If however your employee has got hurt at a job site, then your workers compensation policy should respond or your group personal accident insurance if you have taken one.
Are subcontractors covered under my Carpenter Insurance?
Work done by subcontractors needs to be notified to your insurers, usually the total amount expected to be paid to the subcontractors and whether subbies have their own insurance policies or not.
Are my tools covered?
If you have taken out General Property cover or Tools insurance then you should be able to make a claim, depending on the terms and conditions and the limits of the policy. Talk to us and we can help you get the right insurance.
Are my tools covered if they are stolen from my vehicle?
As above, theft of tools from vehicles is covered under a General Property policy. Give us a call on 1300 190 535 to discuss.
Is my work trailer covered under insurance?
Trailers need to be insured under a motor vehicle policy, its not covered under your public liability insurance.
Am I covered for work not related to my occupation?
Usually the answer is no in 99.99% cases but let us know if you would like to discuss. Give us a call on 1300 190 535 or Get a Quote By Email.
Affordable Carpenters Insurance Australia
No matter where you are in the country, we can sort out your Carpenters insurance.
Carpenters Insurance Victoria
Carpenters Insurance Queensland
Carpenters Insurance NSW
Carpenters Insurance ACT
Carpenters Insurance South Australia
Carpenters Insurance Tasmania
Carpenters Insurance Western Australia
Carpenters Insurance Northern Territory