Kingsbridge Insurance
Joiner Insurance
Our comprehensive joinery insurance package is designed to protect self-employed joiners, small businesses, and larger joinery firms. Whether you’re installing furniture, crafting bespoke joinery, or working on large construction projects, our policy ensures financial protection against liability risks, accidents, and tool theft.
Why do joiners need insurance?
As a joiner you work with power tools, sharp equipment, and expensive materials, often in clients’ homes, commercial buildings, or construction sites. Mistakes, accidents, or theft can lead to financial loss and legal claims, making joiner insurance an essential safeguard for your business.
Kingsbridge’s Joiner Insurance package includes all the essential policies to make sure you’re fully covered, with Public Liability, Employers’ Liability, and Professional Indemnity insurance, alongside optional add-ons for extra protection.
Everything you need in a single policy
Our Joiner Insurance package is designed to cover all aspects of your work, whether you run a workshop, work on site, or manage large projects.
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Public Liability Insurance
Public Liability Insurance
- Covers claims from third parties for injuries or accidental property damage
- Essential for joiners working in homes, on commercial sites, or on construction projects
- Up to £5 million in cover available
Example: If you accidentally scratch a newly installed floor while fitting custom furniture, joiner insurance would cover the cost of repairs and legal fees.
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Goods and Tools Cover
Goods and Tools Cover
- Protects your essential tools from theft, loss, or damage
- Covers tools on site, in storage, or in transit
- £2,500 cover included as standard, with limits available up to £20,000
Example: If your power tools are stolen from your van overnight, your joinery insurance policy ensures quick replacements, so you don’t lose work.
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Employers’ Liability Insurance
Employers’ Liability Insurance
- Legally required if you employ staff, apprentices, or subcontractors
- Covers claims from employees for work-related injuries or illnesses
- £10 million cover as standard
Example: If your apprentice injures their hand while cutting timber, Joiners Insurance covers their medical costs and lost wages
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Professional Indemnity Insurance
Professional Indemnity Insurance
- Protects against claims of professional negligence, faulty designs, or incorrect specifications
- Recommended for joiners who offer design, consultation, or specialist joinery services
Example: If a client claims that your custom joinery design led to financial loss, this policy covers legal costs and compensation.
Optional cover for added protection
In addition to our core product, we offer these additional covers, to ensure you have the most appropriate cover for your work.
Tailor your policy to match your business needs.
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Hired-In Plant Cover
Hired-In Plant Cover
- Covers machinery and larger tools rented for projects
- Protection against theft, damage, or breakdown
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Owned Plant Cover
Owned Plant Cover
- Protection for your own plant equipment against loss or damage
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Contract Works Cover
Contract Works Cover
- Protects unfinished projects from fire, theft, or accidental damage
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Personal Accident Cover
Personal Accident Cover
- Provides weekly income support if you’re injured and unable to work
FAQ Joiner Insurance
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Do joiners need insurance to work?
While public liability insurance is not legally required, many clients insist on it before hiring a joiner. If you hire employees, employers’ liability insurance is mandatory.
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What happens if I work without Joiner Insurance?
Without insurance, you could face:
- Legal claims from clients or the public
- Compensation claims if you accidentally damage a customer’s property
- Financial loss if your tools are stolen
- Liability for employee injuries if you have staff
A single claim could cost thousands of pounds, putting your business at risk.
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Does Joiner Insurance cover accidental damage to a client’s property?
Yes, Public Liability Insurance (included as standard) covers accidental damage caused by your work, including:
- Scratches on flooring while installing furniture
- Damage to walls while fitting cabinets
- Water damage from incorrect fittings
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How much does joinery insurance cost?
The cost depends on:
- The size of your business
- The type of projects you work on
- Your level of cover and optional add-ons
You may find comparable quotes as you shop around, so it’s important to understand the best way to compare insurance quotes for joiners.
At Kingsbridge, our policies are competitively priced and designed to offer great value. You can customise your cover to match your needs and get an instant quote online in minutes.
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Can I get Joiner Insurance if I work on a building site?
Yes, our joinery insurance covers work in homes, workshops, and on construction sites. Some sites require proof of insurance before granting access.
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Is public liability insurance legally required for joiners?
No, but most clients, contractors, and project managers will require it before allowing work to begin.
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Will my insurance cover my tools if they are stolen overnight?
Yes, but tools must be stored securely. Some policies include overnight cover for tools stored in a locked vehicle or secured location.
Joiner Insurance cover at a glance
Our joinery insurance policy provides comprehensive protection for your business.
- Public Liability Insurance – Covers injuries or property damage caused by your work.
- Employers’ Liability Insurance – Legally required if you hire staff.
- Tools Cover – Protects against theft, loss, or accidental damage.
- Contract Works Insurance – Covers unfinished projects against fire, theft, or vandalism.
- Professional Indemnity Insurance – Essential if you provide design services.
Customisable coverage for self-employed joiners and business owners.
Why choose Kingsbridge for your joinery insurance?
Kingsbridge provides tailored insurance solutions for joiners, carpenters, and woodworking professionals.
- Tools cover included – Unlike many providers, we include tools cover in every policy.
- Tailored policies – Designed for self-employed joiners and larger businesses.
- 4.7/5 customer rating – Trusted by over 11,000 tradespeople across the UK.
- Quick online quotes – Get instant cover in minutes.
Get an instant quote online today and secure the right insurance for your joinery business.
Other trades we cover
We provide tailored Insurance to a wide range of trades including but not limited to:
