Insurance For Self Employed Joiners
Around 20 of workers in the uk s construction sector are self employed.
Insurance for self employed joiners. As a carpenter or joiner you need public liability insurance as it can protect you and your business against the financial risk of being liable for negligence. Other relevant insurance for carpenters and joiners include employer s liability which is a legal requirement for anybody who employs staff. Accidents can happen and if someone trips over your tools or you damage their furniture or possessions they can seek compensation which could have a devastating effect on your business. If you re one of them you ll need to organise your own insurance as you don t have an employer to do it for you.
The cost of public liability insurance for self employed and sole traders depends on many factors including the type of industry you work in. It protects you against claims made against you should someone be injured or suffer loss or damage as a result of your work. Public liability insurance for joiners. It provides protection for you and your business against claims that may arise from a member of the public as a result of your actions or your employees.
If you don t have public liability insurance you ll have to cover the costs of any damages. Public liability cover can the cost of claims including legal expenses and any. It could be worth considering taking out one of the following types of insurance to protect your business or your income and your family s future if something happened to you. The bedrock of any business insurance policy this is a must have for any self employed tradesman.
Carpenters and joiners public liability insurance might not be a legal requirement but it makes sound business sense to have it. In australia all carpentry and joinery businesses plus self employed carpenters and joiners need public liability insurance. Considering the risks inherent in working as a carpenter or joiner having a policy in place which saves you from footing the bill yourself if a member of your team falls off a ladder for example is a major asset. Manual workers such as plumbers and builders generally pay more than clerical workers like graphic designers as their work is more likely to physically affect members of the public.
If an accident happens as a result of your carpentry business activity you are responsible.
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