Insurance for Carpenters
Public Liability and Tool cover
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Public Liability and Tool cover
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What is carpenters’ insurance?
Carpenters’ insurance (the many types of business insurance designed for chippies) helps businesses manage the cost of various risks, like customer injury, tool theft, or damage to the actual business premises.
Carpentry has its risks, such as working with nail guns, saws and other dangerous tools. Running a business? That has its risks too. Not only are things like on-site injuries, mistakes in your work, and missing tools annoying, they can be potentially expensive to fix.
That’s why many carpenters consider business insurance to help them protect their business and finances.
Why do carpenters need insurance?
Carpenters may need business insurance to become licensed, fulfill contractual obligations, and manage unexpected bills.
Receive a building or construction license
Lease a workshop
Work as a contractor or sub-contractor
Pay legal costs if you face a liability claim
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
Did you know?
Public Liability insurance is one of the most common types of carpenters’ insurance. It may be a requirement for carpenters to receive a building or construction license, to work as a subcontractor for another company, or to work with certain clients. Even if a policy is not required in your area, it can be beneficial for self-employed carpenters, helping you pay unexpected bills, claims and lawsuits.
What types of insurance do carpenters need?
We offer a range of insurance options designed to protect your professional reputation, tools, equipment, and more. Build an insurance package that suits your needs and buy in minutes.
Popular cover types for Carpenters:
Carpenters may also consider:
How much does carpenters’ insurance cost?
The average cost of business insurance for carpenters is $79 per month with BizCover.
However, your premiums will depend on different factors, such as the services you provide, the size of your business, and the cover amount chosen.
Factors influencing cost
Risks of the industry
Cover level amount
Annual Turnover
Number of Employees
Claims History
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover your owned buildings, tools, and other business assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover your owned buildings, tools, and other business assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
Select Profession
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5 Steps to get your biz insured:
- Enter Occupation
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- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
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- Get Cover Today
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How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See how much others have saved by purchasing a policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Carpenters are often called on to provide professional advice to clients or other contractors. But if you misspeak or give an incorrect recommendation, it could cause huge issues later on. That’s where Professional Indemnity insurance* could come in handy.
Yes! Your tools help you get the job done every day, and that’s why protecting these valuable business assets is something to consider as part of your insurance plan. Portable Equipment insurance* may help you repair or replace essential tools and equipment.
You are your company’s most important asset, so it may make sense to have protection in place. Personal Accident & Illness insurance* could be your Plan B to help protect your finances while you recover from workplace injuries.
A Personal Accident & Illness policy can help carpenters replace lost income if they are unable to work due to injury or illness. You can also add optional cover for death and disablement to your policy.
Hear from our customers
Easy to navigate and pay my Public Liability Insurance.
Steve
The consultant I spoke with was highly professional and gathered multiple quotes from various companies for me to review.
Paul
So easy online… good comparisons
Dane
Easy and straight forward
Sandro
Real-life customer reviews verified by Feefo