Insurance for carpenters with more than a ‘knock on wood’ policy

Insurance is all about risk and as a carpenter, you face a variety of risks each and every day. Pardon the pun but knocking on wood is not going to cut it when it comes to working in the carpentry trade. Whether you’re a sub-contractor or running your own small carpentry business, you want to have the right insurance to keep your business on a smooth plane.

Insure your worksite

If you’re renovating someone’s kitchen, putting in new cabinetry for instance, it can be easy to feel like a bull in a china shop, especially if you’re navigating your work around existing household furniture, glassware and trinkets, the family dog and a few kids not quite old enough to be at school yet.

Public liability insurance covers you against damages to someone else’s property or injury to a third party and because the nature of your work is such that generally you’re in someone else’s property this is necessary insurance for carpenters.

Public liability insurance for carpenters may be a requirement, depending on the state or territory you work and you may also be required to have a Certificate of Insurance before you’re allowed on certain work sitesso make sure you check the rules and regulations before you start hammering.

Business insurance for carpenters

When you’re a chippy, your tools and equipment are back bones of your business, you rely on a variety of tools each day to get your job done and build a quality item for your client. Without sanders, planers, power saws and drills – there’s really not a lot a carpenter can do these days. You might also have an office that you run your business from with computers and office equipment you’ve paid good money for. So property and tools insurance is a no brainer.

Property and tools cover will provide insurance for carpenter’s tools and other equipment against theft, accidental damage and loss, so you can get back to building without the financial burden of forking out for new equipment.

Insure yourself

If you don’t have insurance for yourself, your business isn’t fully insured. Think of it as building a cupboard and forgetting to properly hinge the door. If the door falls off, everything’s exposed and there could be further damage from the fall.

Without you, your business is at risk so you need to make sure you’ve got personal accident, injury and sickness insurance for carpenters, to keep you in the game. If you sustain an injury, whether it be working on site or after hours living your life, and you’re unable to work for a few weeks or months, your personal accident insurance will cover your business bills and your income until you recover. It also covers you if you’re unable to work due to serious illness, so you can rest easy knowing everything is still running.

So for more than a ‘knock on wood’ policy, get quality insurance for carpenters from All Trades Cover, the specialists in insurance for tradespeople. Contact All Trades Cover today on 1300 826 850 for a solid insurance plan for your carpentry business.