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Carpenters Public Liability Insurance

Don’t be that guy...
Get Public Liability cover with us and get:
£1k Tools cover with our Classic Public Liability insurance
£400 Personal Accident cover per week with our Plus Public Liability insurance
Terms & Conditions, exclusions apply.

What cover can I get?

Cove for upto £5mPublic Liability cover of £1M, £2M or £5M

£15,000 Tools cover availableUp to £15,000 Tools cover is available (subject to product selected)

Personal Accident and Jury Service extensionsPersonal Accident and Jury Service cover extensions available (subject to product selected)

Optional extras availableOptional extras such as Employers’ Liability Insurance, Stock, Contract Works, Owned Plant can be added to the policy

Who do we cover?

We cover all types of businessesWe cover Sole Traders, Partnerships, Limited Companies and Limited Liability Partnerships

Carpenters and Joiners typesCarpenters and joiners who work on domestic and commercial properties

from individuals to medium sized companies specialising in repair and maintenanceIndividuals, small to medium sized businesses specialising in build, repair or maintenance work

Cover up to £3mBusinesses with turnover of up to £3M

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The benefits of carpenters’ Public Liability insurance

Although carpenters’ Public Liability insurance may not be a legal requirement, it makes sound business sense to have it. This provides protection for you and your business against claims that may arise from a member of the public for injury or loss suffered as a result of your actions or your employees. If you don’t have Public Liability insurance, you will have to cover the costs of any damages out of your own pocket.

Features of our insurance for carpenters

Our carpenters’ Public Liability insurance offers you limits of £1 million, £2 million or £5 million depending your business needs.

If you have others working for you , it is a legal requirement to have Employers’ Liability insurance. Our policy includes £10 million as standard, this covers up to 15 manual employees or contractors.

Also, we know how vital your tools are to the day to day running of your business, so we have included £1,000 all risks Tools insurance as standard with our Classic and Plus cover. Your tools are covered 24 hours a day, and protects you in the event that they are stolen from a locked vehicle or damaged anywhere in the UK. This cover can be extended to £15,000 if necessary.

Professional Indemnity insurance of £100,000 is also included as standard with our Classic and Plus cover.

Cover for bigger businesses

We provide carpenters and joiners’ Liability insurance online for businesses with an annual turnover up to £3million and up to 15 manual employees. If your business is bigger than this, please ring our UK based team on 08000 280 380 for a quote, or find other ways to contact us via our Contact Us page.

Why do I need Public Liability insurance?

You and your company may be financially liable for the result of an accident caused by you, your company or a contractor either at your premises or elsewhere. Public Liability claims can be very expensive, which could have a major impact on you or your business. As well as giving you peace of mind, many companies and trade associations require evidence of Public Liability insurance.


Our FAQs are designed to answer some of the questions you may have on our Public Liability cover. Click here for more information.

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Our exclusive public liability policy for tradespeople is underwritten by Zurich, one of the world’s largest insurers.

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Why choose Trade Direct Insurance

Over 40,000 customers insure with us
Over 30 years experience insuring trades
A Zurich product for peace of mind
Up to 10% No Claim Discount (with 2 years claim free)
Quality cover at a great price
Quick quote in 60 seconds
Option to pay via instalments (Trade Direct is a credit broker and not a lender)

On The Tools' Best Insurance Provider 2017

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards for the second year running.

On The Tools is the largest online community of tradespeople in the UK, and we couldn’t be prouder to provide them with support and cover.