As a Carpenter, your day to day work is working on unique projects built around client specifications. Every day can be completely different to last and with each project being bespoke, we understand that you need a business insurance policy tailored to your individual needs.
At Be Wiser Business Insurance we specialise in creating insurance policies which contain many parts, but together form a simple policy which contains the right insurance cover for you. We’ll work with you to understand your needs, and from this you can ensure you will never pay for cover that you simply do not need.
When it comes to insurance, there is no one size fits all solution as every business has different needs. However, as a standard you should be looking to have the following aspects of cover:
Public Liability Insurance – This will cover you in the event of somebody making a claim against your business due to personal injury and property damage as a result of your work.
Employer’s Liability Insurance – This is a mandatory requirement for any business which employs staff, even in some cases if they work on a freelance or self-employed basis. Our team will be able to identify whether you need this. This will cover you against claims made by employees in the instances of injury or serious illness because of working for you.
Personal Accident Insurance – The above ensures everyone else is covered, but you should ensure you have the right level of cover in the instance that you are injured in the workplace. Most importantly in the event of an accident leaving you unable to work, this could cover your salary during necessary time off.
Equipment Cover – Your equipment is the life blood of your business and without them could you do your day to day job? Never underestimate the value of your tools and make sure you’re covered in the event of damage and or theft.
Those four elements are what we consider to be the essential insurance cover for a carpenter, or of course a carpentry business with multiple employees. Other optional extras could include contracts work cover which would cover your materials and any items or tools which you need to hire. If you’re a business operating with multiple carpenters and vehicles, our fleet insurance could also be beneficial.
At Be Wiser Business Insurance we work with a panel of the UK’s leading insurers which means we’re able to compare quotes and find you the best possible price on the right level of cover for you. You can get a quote online, talk to one of the specialist team or if now isn’t a good time, request a call back and we’ll be in touch at a time to suit you.