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We know that as a joiner you take pride in your ability to turn ordinary wood into something special, but we also know that sometimes things go wrong. If that happens you’ll need an insurance policy that helps you to get back on your feet as quickly and with as little hassle as possible.
A craftsman is only as good as his tools, and if yours are lost, stolen or damaged it will be hard to keep business running as usual. Our tools insurance will keep your portable equipment covered, while business equipment cover is what you need for larger, static items.
Unfortunately, working with these pieces of equipment, as well as large pieces of wood, does leave you at risk of injury. Personal accident cover from Simply Business will cover you up to £10,000 for accidental injuries you sustain during the normal course of your wood working.
Using our website you can combine the covers you need for your particular business to create a tailored policy that will have your back when you need it to.Start your quote
The insurance you need depends on your business and the risks you face, but these are popular covers for joiners:
Public liability insurance is important if you invite clients to your premises or if you work on site. Should anyone suffer an injury or have any item of their property damaged because of your work or your tools, public liability insurance will cover you against both legal fees and any financial settlements you have to make.
Plant and machinery insurance covers those big, expensive items of equipment you’d be lost without. And if you’re worried about theft or damage of your handheld tools too, then you can always add in tool insurance.
Personal accident insurance is crucial for any trade where you’re at risk of injury. Whether it’s dropping a heavy item on your foot, or something more serious, make sure you’re protected against any damage you might accidentally do to yourself. This is a 24/7 insurance, so it covers accidents inside and outside of work.
Employers’ liability insurance is a legal requirement for most businesses that have staff, so you’ll usually need to add this on if you’re a joiner who employs anyone, even on a casual basis. It can cover compensation claims made by staff because they’ve suffered illness or injury as a result of their work.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.