Carpenters
Public Liability Insurance

What insurance does a carpenter need?

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, including public liability, to protect yourself and your business from potential claims that may arise from your work activities.

If you want to know what insurance a carpenter needs you may have come to the smart place. Our team of friendly brokers are here to make it easy for you to find suitable cover, including public liability, for your carpentry business risks. Simply call us on 1300 542 573 or enquire online.

Why do carpenters need public liability insurance?*

Carpenters need public liability insurance as 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 that may be covered by public liability insurance include :

• Damage to someone else's property from your carpentry work activities
• harm to someone else from slips and fall, power equipment, sharp tools, materials, fire and liability hazards on site.

How much will carpenters insurance cost?*

So, how much is insurance for a carpenter?

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

Carpenters 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 on 1300 542 573 who may be able to assist or contact us online.

What is carpenters insurance?*

Carpenters insurance is designed to cover the insurable risks that carpenters face in their business activities.

In Australia, public liability insurance is typically a key component of suitable carpenters insurance cover.

Below are a number of insurance covers, in addition to public liability insurance, that carpenters should consider.

• Product liability - may protect a carpenter when products you have supplied, repaired or manufactured cause harm, injure someone or cause property damage..
• 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.
• Personal Accident and Sickness – to protect your personal income if you can't work for an extended period.
• Tool insurance - Without tool insurance, you will have to dig into your own savings or borrow money to get the tools replaced or repaired.
• General property insurance is the name of the policy that may cover damage or loss to carpenters tools and business equipment such as , mobile, computers and power equipment

Trying to work out what insurance your carpentry business needs?

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 broker on 1300 542 573 to discuss carpenter's insurance,including public liability, TODAY.

Why do carpenters need tools insurance?

Carpenters need tool insurance as tools are the lifeblood of carpenters . They help chippies just like you to complete work on time, and to deliver quality workmanship. Good tools are expensive.. If they break or are stolen, it can impact your ability to get the job done or cost you thousands to replace.

Without tool insurance, you will have to dig into your own savings or borrow money to get the tools replaced or repaired.

What does a carpenter need to disclose to insurance companies?*

To be covered correctly at claim time as a carpenters you need to disclose ALL of your work activities to your insurance broker, and insurance companies, no matter how infrequently you perform that type of work. Are your activities restricted to carpentry 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 do I get a carpenters insurance quote?

Simply TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online for suitable and affordable public liability and business insurance quotes for your carpentry business.

*Important: Cover may be available subject to meeting insurers underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations. Talk to a SMART business insurance broker on 1300 542 573 for more information.