Insurance for Carpenters
Carpenters may be interior only, exterior only, or both. Exterior carpenters can do framing work, such as the building of the structural support frame for a building or structure. Interior carpentry is normally concerned with remodelling, repair, or finishing of a building or structure which may include window and door frames, floors, stairs, or other built-in cabinets and shelving.
In cases like this, whether it’s unintentional property damage (from muddy boots ruining a carpet to damage to the property itself), or missing deadlines on contracts, it’s important to make sure you’re financially protected from the possible consequences of various risks.
At Business Insurance Service, we understand not just the insurance industry, but the commercial sector too. Our brokers have years of experience and expertise in finding tradespeople from across all disciplines the right kind of Contractors’ All Risks and Contract Works insurance cover for tradespeople, giving both sole traders, SMEs, and large building contractors the protection they need.
What Insurance does a Carpenter need?
Property exposures at the carpenter’s own location usually consist of office operation, material, equipment, and vehicle storage. If the carpenter performs woodworking at their shop, there is a heavy fire exposure. Careful review of the dust collection system as well as separation and storage of flammable varnishes and glues are mandatory. Some carpenters may have timber exposure on premises. The more timber on site, the higher potential for loss, so review should be based on the amount of storage and method. Often three-sided structures are used, which have a high potential for wind damage.
Premises liability must be taken into consideration. The on-premises exposure is light unless there is woodworking and/timber storage. With outdoor storage comes vandalism and similar exposures that must be protected against. The fire hazard to the insured also brings potential danger to neighbours, so controls in waste collection and fire control is important to protect the neighbours. Off-premises exposures include the use of saws around the work area and the need to keep visitors out of the way. If performing carpentry in existing structures, the insured must be careful about dust collection and scrap removal to prevent fire damage.
Public & Products Liability
Completed operations are an important exposure. The carpenter provides the framework upon which others build. Quality control and full compliance with all construction, material, and design specifications are necessary.
Motor vehicle exposures are limited unless there is the transport of timber and pre-made items. Proper loading and tie-down is vital to prevent shifting and possible falling from the vehicle. Age, training, experience, and drivers’ records, as well as the age, condition, and maintenance of the vehicles are all important items to consider.
Employers’ Liability Insurance
Employers’ Liability losses tend to be related more to the saws and nails than any other. Although the accident may be frequent, the exposure is relatively light. Properly installed guards, steel toed shoes, and eye protection are the minimum safety equipment that is required for any carpenter. Adequate supervision is essential to keep everyone safe on the job. Attaching nail to wood is common to all carpenters; however the exposure will vary based on the size of the job. The loss potential is very easily controlled and managed with common sense safety measures and attention to the job.
What other risks does a Carpenter face?
Other exposures centre on the items being transported to and from the job site. Carpentry equipment is not bulky, but if woodworking is done at the shop and then transported, there can be a significant exposure. Also, if there is timber storage and transport, there can be oversized loads. Timber tends to shift so training in proper loading and tie down is vital. Further equipment exposures develop from the actual use during construction. Is the equipment being used as it was designed to be used? Is the equipment’s load capacity routinely exceeded? Equipment may be subject to drop and fall from heights or being struck by other vehicles. If equipment and supplies are left at job sites, what types of crime and vandalism protection are in place? What controls are used?
Why not discover more about Business Insurance Service? Or simply get in touch with our services today.
How can Business Insurance Service help Carpenters?
Whether you’re a sole trader or a small to large company, your insurance portfolio has to be up to date and provide you and your business with the right level of protection. Rather than trying to find Contract Works Insurance or tradesperson insurance by hunting through countless websites, let us or our website do it for you.
We’re members of the British Insurance Brokers Association (BIBA) and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.
As preferred brokers working with some of the largest insurance providers in the UK, we have immediate access to a huge range of policies for businesses, tradespeople and construction companies. We provide our customers with a bespoke or package service, creating insurance portfolios that are specifically tailored to your individual needs, and your budget.