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Construction insurance

Carpenters Insurance

From framing to fit-out, carpenters work alongside every other trade and the public, and one slip with a nail gun or a dropped tool can turn into a liability claim. Construction Cover arranges public liability, tools and income cover around how carpenters actually work, placed across 20+ insurers by our specialist team.

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What do you do?

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Cover

What insurance do carpenters need?

Public Liability

The cover builders insist on. If your work injures someone on site, or a dropped tool or offcut damages the building or a neighbour's property, public liability responds to the claim and the legal costs. Commercial sites usually require $10m or $20m.

Tools & Equipment

Drop saws, track saws, nail guns, routers and a ute full of cordless kit are a carpenter's livelihood and a prime theft target. Tools cover replaces them when they're stolen or damaged on site.

Personal Accident & Illness

You earn with your hands. If an injury keeps you off the tools, personal accident and illness cover can provide financial support if you're unable to work.

Contract Works

On new builds and extensions, contract works covers your framing, carpentry and materials in progress, against storm, theft and damage before the job is handed over.

Workers Injury

Put on an apprentice or a second chippy and workers cover protects you when they're hurt at work, in line with your state's scheme.

5.0 from 250+ Google reviews

Reviews are for Stonewell Insurance, the business behind Construction Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).

FAQ

Carpenters insurance questions.

Speak with our team on 1300 080 323.

What insurance does a carpenter need?
At a minimum, public liability, commonly $10m or $20m to satisfy builders and principal contractors. Most carpenters also carry tools of trade cover for saws and cordless kit, personal accident cover to protect their income, and contract works on bigger jobs. We put the right mix together for how you work.
How much does carpenters insurance cost?
It depends on your turnover, the states you work in, whether you have staff and the cover you choose, so there's no single price. We compare 20+ insurers to find the right cover at a competitive premium. Tell us about your business and we'll come back with options.
Does public liability cover damage to the building I'm working on?
Public liability covers damage or injury you cause to other people and their property, for example damaging finished work or a neighbour's property. It generally won't pay to redo your own defective workmanship, which is why we talk through the right mix of liability and contract works for your jobs.
Do I need insurance to subcontract to a builder?
Almost always. Builders and principal contractors ask for a certificate of currency and a set public liability limit, often $10m or $20m, before you start on site. We arrange the cover and provide the certificates you need.
Can I get cover as a sole-trader chippy with an apprentice?
Yes. Whether you work solo, subbie, or run a small crew, we size public liability, tools and personal accident cover to how you work, and add workers cover once you take on an apprentice.

Other trades we cover

Concreters InsuranceBricklayers InsuranceRoofers Insurance

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Ready to get carpenters covered?

Tell us about your business — about 60 seconds — and our specialist team reviews your trade and comes back to you with options.

Get my quote 1300 080 323

Construction Cover is a brand of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).