Carpenters Insurance

Whether you’re a cabinet maker, joiner or use traditional carpentry techniques, choose a carpentry insurance policy that fits just right. The policies are flexible and can grow and change with your business meaning you only pay for the cover you want.

  • Cover for other building trades
  • Dedicated carpenters’ claims service
  • Access your policies and renewals in your online account with Markel Direct
Get a Quote

Towergate Insurance is working in partnership with Markel Direct. By clicking “Get a Quote”, you confirm you have read and understood the Towergate privacy policy and this will take you to a Quote and Buy facility provided and operated by our business partner, Markel Direct.

Towergate Insurance is working in partnership with Markel Direct. By clicking “Get a Quote”, you confirm you have read and understood the Towergate privacy policy and this will take you to a Quote and Buy facility provided and operated by our business partner, Markel Direct.

A shield with a tick inside it on a big translucent blue circle
A young man planing wood in a wood shop

Why choose carpenters insurance?


Cover for other building trades

Choose cover for up to five different trades in one policy including building and decorating.

Accidental Damage

Extra carpentry cover

Many optional extras including accidental damage and tools cover


Dedicated carpenters’ claims service

Experts claim handlers to give you peace of mind

Direct Debit icon

Pay for your carpentry insurance by Direct Debit

You can choose to split your payment into 10 monthly instalments.

About carpenters insurance


Liability insurance for carpenters

Carpenters liability insurance covers you for legal defence costs for allegations for accidental personal injury caused by you to the public, your customers or your staff. This is provided by Employers and Public Liability sections of cover. You can set your own limits for public liability, product liability up to £5 million, and can adjust these at any time depending on the growth of your business and diversification over time.


Cover for carpentry equipment

Your tools provide you with the means of your livelihood. We can provide flexible limits for all types of carpentry equipment including specialist saws, lathes, drills and hired equipment too. Tools must be locked up securely outside business hours, and a single item limit may apply.


Specialist cover for your carpentry business

However you work, whatever type of carpentry you do, make sure you select the right cover for your business. Different businesses have different needs, whether you are a joiner, cabinet maker, wood turner, cooper or sculptor, you can choose the liability and tools protection levels and be confident that the insurance you have fits your unique requirements.


Instant carpenters’ insurance

You can build your own quote and buy online quickly and easily. and get covered immediately.


By clicking “Get a Quote”, this will take you to a Quote and Buy facility provided and operated by our business partner, Markel Direct.

When you need to make a claim, Markel Direct will guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the Markel Direct claims team on 0344 748 0173 and explain what has happened.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Get a quote online
  • Make your selections and purchase your policy
  • Relax - You're covered!
Get a Quote

Carpenters insurance FAQs

Markel Direct provide and administer this cover. Markel Direct is a trading name of Markel International Insurance Company Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Financial Services Register no. 202570).

Carpenters insurance is a group of different types of insurance that are specific to your profession as a carpenter. It can then be tailored to your needs with the right combinations and levels of protection.
It can cover you for most types of carpentry work including:

  • Cabinet making and joinery
  • Surveying or quoting
  • Large public contracts and private jobs

Your business equipment is usually vital to a carpenter and therefore you can choose to insure against theft. Even if you hire the equipment, you may still want insurance, especially for the more expensive items.
You can include your specialist woodworking equipment and even employee’s tools as long as they are locked away securely, even in your van or onsite.

Note that fixed equipment may not be covered as this would be expected to be covered on the insurance for your premises. If you have a workshop, you can choose to combine your carpentry insurance with a business premises policy.

It's important to declare all the types of machinery that you use, particularly those which are such fixed as woodworking machines in view of the higher injury risks presented. By protecting your company with an industry-specific policy you have peace of mind that your business activities are fully understood.

Carpenters can face legal action in respect of their liability for personal injury or property damage arising from their activities, we can provide protection for a range of different liability claims to help keep you protected.

Yes, because the system measures an insurer’s financial situation, allowing you to predict their ability to meet ongoing policy obligations.

Also, there are a number of main contractors that will not sub-contract works to any companies not insured with an insurer with a minimum of an A-financial rating (as determined by established ratings companies).

Public liability insurance protects the public against injury or loss as a result of your business. So, for example, if someone is injured by a falling ladder. Level of cover can vary but most options are between £1m and £5m dependent on your needs.

If you have employees, you have a legal duty of care to have protection for their benefit in place. Employers’ liability insurance for a carpenter is just this and protects your staff against similar perils to public liability.

Yes, both types of employers are covered for the same risks although it is very important you declare how your workforce are employed as it will affect how your risks are calculated.

To help you spread the cost of your premiums, you can choose to spread payment over ten months with the Markel quick and easy Direct Debit scheme.

If you bought your policy before 7th June 2024, you can view all your documentation in your online portal here. If you purchased your policy on or after the 7th June 2024, you can access your documents here.

For details of the terms, exclusions and conditions applicable, please refer to the full policy documentation provided by Markel Direct which will be available during the quotation process.

Read more FAQs

Carpenters insurance articles

Securing Your Van and Tools - Keeping on Top of Van Security

Whether you work for a small business or you’re a sole trader, we know that keeping your van and its contents safe from criminals is a year-round concern.

Read more

Do I need a public liability insurance certificate?

A public liability insurance certificate which offers a summary of your policy is a great way to show you’re covered and put your clients’ minds at ease.

Read more

Making Tax Digital for Businesses

Making Tax Digital (MTD) will affect all businesses and is a key element of the government’s plans to make it easier for businesses and individuals.

Read more