Insurance for Carpenters and Joiners

Specialist insurance for carpenters and joiners, built around the risks of working with tools, timber and valuable property across domestic, commercial and construction sites.

Whether you are a self-employed carpenter or run an established joinery business, we can help you arrange cover that reflects the way you work.

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Insurance for Carpenters and Joiners

CHAS Insurance is a national broker arranging specialist insurance for carpenters, joiners and woodworking contractors across the UK.

Carpentry work often takes place in finished homes, occupied commercial premises and active construction sites. Damage during an installation, an injury involving tools or the theft of essential equipment can quickly interrupt work and lead to an expensive claim.

The right insurance depends on what you do. A self-employed carpenter fitting kitchens will have different requirements from a joinery company working from its own workshop or a contractor completing work across several developments.

We take the time to understand your business and arrange cover around the work you undertake.

Contact CHAS Insurance today to arrange carpenter and joinery insurance.

Our Simple Three-Step Process

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We’ll contact you within 48 hours to discuss your insurance quote and get set up.

Business Insurance for Carpenters and Joiners

Carpentry and joinery covers a wide range of work.

You may carry out first-fix or second-fix carpentry, fit kitchens and staircases, manufacture bespoke joinery or work as a subcontractor on larger commercial projects.

Your insurance needs to reflect where you work, the value of your tools and whether you employ staff or use subcontractors. Joinery businesses operating from workshops may also need protection for machinery, stock and their premises.

CHAS Insurance arranges cover for sole traders, small teams and established carpentry and joinery contractors.

Labour-only subcontractors may be treated as employees for insurance purposes. We will look at how your workforce is structured and help ensure it is correctly represented when cover is arranged.

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

What Does Carpenter and Joinery Insurance Cover?

Carpenter and joinery insurance can combine several types of cover within one wider business insurance arrangement.

The cover you need will depend on the work you undertake and the risks faced by your business.

Public Liability Insurance for Carpenters and Joiners

Public liability insurance protects your business if your work causes injury to another person or damage to their property.

This could include accidental damage during an installation or someone being injured by tools or materials in your working area.

Employers’ Liability Insurance

Employers’ liability insurance is generally required by law if you employ staff or use labour-only subcontractors.

It covers claims from employees who are injured or become ill as a result of their work.

Contractors All Risk Insurance

Contractors all risk insurance can protect work in progress, materials and certain equipment while a project is underway.

It may be relevant where your business remains responsible for work before the project has been completed and handed over.

Tools and Equipment Cover

Tools cover protects essential equipment against risks such as theft, loss or damage, subject to the terms of the policy.

The insurer will need to know the value of your tools and where they are normally stored.

Professional Indemnity Insurance

Professional indemnity insurance may be needed if your work includes producing designs, drawings or specifications.

This can protect the business if an error in its professional work or advice causes a client financial loss.

Supporting Accredited Carpentry and Joinery Contractors

CHAS Insurance regularly works with contractors accredited through schemes including CHAS, Constructionline and SafeContractor.

Commercial clients and principal contractors may require proof of insurance before you can tender for work or begin a project.

We can help you understand the insurance requirements connected with your contracts and arrange appropriate documentation for your business.

Get a Carpenter and Joinery Insurance Quote

CHAS Insurance arranges specialist business insurance for self-employed carpenters, joinery companies and established contractors across the UK.

Your cover will be built around the work you undertake, the way your workforce is structured and the environments in which you operate.

Speak to our team today for a tailored quote and practical advice on the insurance your business needs.

We work with contractors accredited by the following organisations…

Frequently Asked Questions

Is carpenter insurance a legal requirement?

Employers’ liability insurance is generally required by law if you employ staff or use labour-only subcontractors.

Public liability, tools and contractors all risk insurance are not usually legal requirements, although clients or principal contractors may require them before work begins.
Do carpenters and joiners need public liability insurance?

Public liability insurance is strongly recommended because it protects against claims for injury to other people or damage to their property.

Many commercial clients and principal contractors will also ask for evidence of cover.
Do carpenters need professional indemnity insurance?

Professional indemnity insurance may be required if you provide designs, drawings, specifications or professional advice.

A carpenter installing work to somebody else’s design may have different requirements from a joinery contractor designing bespoke products.