Why you need Joiner Insurance cover

Working as a joiner comes with some unique risks and you should absolutely take steps to mitigate them. One of the best ways to do this is by getting a good joiners insurance policy.

Joiners insurance will cover you for things like liability claims, damage/theft of tools and personal accidents.

You can find the different types of cover available below in addition to some good ways of saving money.

No matter how experienced a Joiner you are accidents can happen. That’s why the panel of expert Joiner Insurance providers can get the right cover for you

Cover available includes:

  • Tools and equipment insurance
  • Public liability insurance
  • Plant and Machinery
  • Personal accident insurance
  • Business equipment
  • Employers' liability insurance
  • Contract works insurance
  • Business buildings and contents insurance
  • Legal expenses

Types of Joiner Insurance available

  • Legal expenses - In addition to getting cover for liability claims, you can also get cover for legal expenses includes in a tradesman policy.
  • Personal accident cover - If you were injured whilst on the job then any medical expenses would be covered as well as your personal income until you were able to get back to work.
  • Tools - You can also get cover for your tools, whether they're on-site or in your van. Sometimes insurers will insist that the van is parked in a compound or secure garage overnight so be sure to find out the details of the cover you can get.
  • Business equipment - The businesses equipment used by tradesman is often very expensive so it's a good idea to get cover for defective and damaged equipment.
  • Public liability - Liability claims are always a risk when working with the public so getting a good amount of public liability cover included in your policy is a must. You can choose exactly how much cover to get depending on the size of your business.
  • Employers' liability - If you have any employees at all, even if they're part-time, then you need to have employers' liability cover included in your policy.

Saving money on Joiner Insurance cover

  • Shop around - You should always make sure you get a lot of quotes when looking for a tradesman insurance policy. You might be able to get a better deal elsewhere that you're not aware of if you simply take out the first policy you're offered.
  • Increase excess - If you had to make a claim on your policy then the excess is the amount you would pay towards it. By increasing the excess on your policy you can reduce your monthly payments. Of course it's a little bit of a risky way to cut down costs since you'd have to pay extra when making a claim.
  • Pay upfront - If you can afford to pay for your policy on a yearly rather than monthly basis then the majority of insurance providers will give you a considerable discount for doing this. You will of course pay more upfront but it will reduce the overall cost of the policy.
  • Make your premises secure - If you have a premises that you work from then you'll certainly want to take any steps you can to make it as secure as possible. The same thing applies to your van if you have cover for your tools while they're stored in it.

Joiner Insurance FAQ

What type of cover should I get as a joiner?

It’s recommended that you get the following –

  • Public liability insurance
  • Tools and equipment
  • Personal accidents

If you have any employees, then you’re also obligated to get employers’ liability insurance.

How much will a joiners insurance policy cost?

The cost of your cover will depend on things such as –

  • Your age
  • Your working experience
  • How many employees you have
  • The level of cover you take out
  • Who you get your policy with

Is getting multiple quotes important?

It’s impossible to know if you could save money elsewhere if you only get one quote, so yes – getting several quotes is certainly important if you want to get the best deal.

Get Joiner Insurance quotes

To save money on joiner insurance, it’s always recommended that you shop around. Getting multiple quotes is now very quick and easy – simply click the green button and you can have your tailored quotes within minutes.