1300 542 573

TALK to a SMART Business Insurance adviser

Small Business Insurance for Carpenters & Cabinet Makers

If you work as a carpenter or cabinet maker the nature of your everyday work presents a number of risks.

Wherever you are in Australia, as a self-employed, sole trader or contractor carpenter, its important you get suitable and affordable carpenters insurance to protect yourself and your business from potential claims that may arise from your work activities.

Risks for Carpenter & Cabinet Maker small business owners

Carpentry involves working with volatile materials and hazardous chemicals that increase the probability of an accident on site.

Property, vehicles, machines, tools and equipment being used on site may be damaged due to accidents.

The constant presence of volatile materials such as wood, sawdust, paint, solvents, shavings, chips, adhesives and other chemicals, place the work site at a high risk.

Risks a carpenter or cabinet maker small business owners are exposed to from their work activities include:

  • Damage to someone else's property from your carpentry work activities
  • Damage or loss/theft of your property such as tools
  • harm to yourself, an employee, sub contactor or someone else, slips and falls, inexperience , power equipment , sharp tools, materials, fire and liability hazards on site.
  • machinery and engineering: Business interruption due to the breakdown of machinery, tools and equipment; and the possibility of theft.

Types of insurance cover for carpenter business owners to consider :

  • Public liability insurance – may protect carpenters and cabinet makers against claims from harm to other people or their property caused from your work activities ; work at site including unauthorized access, attractive nuisance, liability for sub-contractors, vicarious liability for sub-contractors.
  • Product liability - may protect a carpenter when products you have supplied, repaired or manufactured cause harm, injure someone or cause property damage.
  • General property insurance – may cover damage or loss to and business equipment such as tools, mobiles , computers , power equipment , or stock such as timber or frames.
  • Business insurance pack – you may be able to combine multiple covers in a specially designed policy for a small carpentry business. Ask your SMART broker for details.
  • Workers compensation – cover for employees. Carpentry is risky for workers undertaking it. Employees may receive injuries due to work pressure and constantly changing work sites. Injuries may result from lifting heavy objects, slips and falls, burns, standing for long hours, stooping and kneeling.
  • Marine cargo – cover if you receive or send goods such as building materials via post or freight.
  • Professional Indemnity – if you provide professional advice or a fee.
  • Commercial motor – may cover any vehicle - car, van , light truck - that you own and use mainly for business.
  • Income Protection – to protect your personal income if you can't work for an extended period.
  • Life Insurance – to protect your family.

Trying to work out what insurance your carpentry business needs?

Sometimes a sole trader or contractor carpenter may choose only a single or two insurance product.

Small carpentry and cabinet making businesses may need a combination of one or more insurance policies.

We may be able to assist.

Wherever you are in Australia when you contact SMART business insurance , your friendly business insurance broker may be able to help answer your questions and find you suitable and affordable insurance for your carpentry business.

Talk to a SMART business insurance specialist on 130 542 573 to discuss carpenter's business insurance cover TODAY.

1300 542 573

TALK to a SMART Business Insurance adviser

Business Hours:

Monday – Friday 8.45 am - 6.00 pm AEST

SMART business insurance pro tip:

Disclose ALL of your work activities to your insurance broker no matter how infrequently you perform that type of work. Are your activities restricted to carpentry and cabinet making or are you undertaking broader building activities ? insurance policies are priced according to risk. Failure to disclose any type of work you perform means you will not be covered if an incident occurs while undertaking an undisclosed work activity.

How much will carpenters insurance cost?

So, how much will carpenters insurance cost you?

The core insurance for self-employed carpenters in Australia is public liability insurance.

Public Liability Insurance cost for a carpenter acting as a sole trader, or self-employed contractor starts from around $600.

Please note: While cheap Public Liability Insurance can seem attractive on the surface it is important to ensure the policy covers you for the full business activities you undertake and the insurance policy and company will respond as intended when there is a claim.

For carpenters that:

  • -undertake broader building work
  • - have employees,
  • -are looking for costs and quotes on other covers you may need; such as product liability, business insurance pack, general property, commercial motor, or any of those above

Please TALK to a friendly SMART business insurance broker who may be able to assist.

Carpenter Insurance Broker quotes

TALK to a SMART Business Insurance broker on 1300 542 573 or email us at info@smartinsure.com.au for suitable and affordable insurance quotes for your carpentry business.

1300 542 573

TALK to a SMART Business Insurance adviser

Business Hours:

Monday – Friday 8.45 am - 6.00 pm AEST