Public Liability Insurance for Carpenters

Public liability insurance quotes for carpenters and joiners. Suitable cover for self-employed carpenters, equipment and carpentry tools from our liability brokers.*

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Whatever type of carpentry you do it is important that you are properly covered.

A single accident might be difficult to overcome without the necessary coverage in place.

So as a residential or commercial carpenter, joiner, cabinet maker, deck builder or wood turner having appropriate insurance in place may be crucial for the continued success of your carpentry business.

When you consider the accidents that may occur when undertaking carpentry work, such as timber falling on someone on site, leading to their disability or death, it is vital for your peace of mind to know you have suitable public liability insurance in place.

Public Liability Australia may be able to help mitigate your business risk, and to help cover all your business activities so that you can operate your business with peace of mind.

What types of insurance does a carpenter need?*

There are many different risks associated with the day-to-day operations of your business as a carpenter. It is important to ensure that you are suitably covered.

The common types of insurance for carpenters are:

  • Public & Products Liability Insurance
  • Business Pack Insurance
  • General Property (Tools of Trade)
  • Personal Accident
  • Workers’ Compensation
  • Commercial Motor

Do carpenters need public liability insurance?*

In Australia, all self-employed carpenters need public liability insurance.

As a carpenter you need public liability insurance as it can protect you and your business against the financial risk of being liable for negligence.

If an accident happens as a result of your carpentry business activity, you can be held responsible. Public liability insurance is needed to help cover damages and legal fees.

For example, if as result of your carpentry activities your client’s property is damaged public liability insurance can help pay for the repairs.

Throughout Australia you may need public liability insurance to work on certain building sites or specific clients who request it.

What is public liability insurance for self-employed carpenters?*

If you are working as a carpenter, or running your own carpentry business, you may need public liability insurance to protect yourself in situations where your work causes injury or damages to others.

Public liability insurance for the self-employed carpenters protects you from third-party claims of bodily injury or damage to someone else’s property. For example, if you are doing a carpentry job at a client’s home and their child hurts themselves by tripping over your tools and equipment, Public Liability may help pay the related medical bills and your legal expenses.

Why should carpenters use an insurance broker?*

When working in a fast-paced job where every day is different, having an insurance broker can take the stress off your shoulders. Public Liability Australia may be able to assist you in getting covered for your specific business risks, to preserve your peace of mind and business continuity.

As your broker, Public Liability Australia may assist you in mitigating your business risks, and choosing the cover that is appropriate for you.

What does public liability insurance for carpenter cover? *

Public liability insurance in Australia typically provides self-employed carpenters with cover for:

  • Third-party injury to other persons – where your carpentry business activities cause harm to others.
  • Third-party damage to others property – where your carpentry business activities cause damages to others property; for example, damage to clients or neighbour property.
  • Product liability – where your carpentry business products and goods supplied causes harm to others.

What does Business Pack Insurance cover for carpenters?

Business Pack Insurance may cover your carpentry business for many risks in one policy. This can include cover for:

  • Public & Products Liability
  • Commercial Property if your carpentry business has a premises.
  • General Property such as tools
  • Money
  • Theft

What does General Property / Tools of Trade cover for carpenters?

General Property insurance may cover your carpentry business for the accidental loss or damage of valuable items that you would generally carry around with you in your carpentry business. For example, if you were to insure your carpentry tools and equipment including specialist saws, lathes, drills, General Property may cover you if your tools were stolen.

What does Personal Accident cover for carpenters?

In the event of an accident, Personal Accident insurance may provide cover for much of your weekly income for 1 to 2 years if you are unable to work as a carpenter for an extended period. Call our team for details.

How much does carpenters insurance cost? *

How much is public liability insurance for a carpenter? *

Public liability insurance cost for carpenters snapshot:

Self-employed carpenters, starts from around $850* or $80 per month.

$5 million Public Liability Insurance cost for some carpenters with no previous claims starts from around $850* or $80 per month.

For carpenters that:

  • Work on Commercial Building Sites
  • Have Employees


  • Work for councils or government departments and require $20 million liability costs will be higher.

*Important: the above is a guide only; pricing may vary significantly from the above based on your size, clients, experience and carpentry business activities.


The costs associated with insurance for your carpentry business vary depending on a range of factors, including:

  • Claims history
  • Coverage needs
  • Your exposure

For example, a carpenter who has recently made a $26,000 claim, in general, would pay more for an insurance policy than a carpenter who is claim free.

Other factors that can impact cost include the scope and nature of your business, your business size, and your business turnover.

We serve carpentry businesses and carpentry contractors all over Australia*

List of states and territories in Australia we can help carpenters and joiners find the insurance cover they need :

  • New South Wales (NSW)
  • Queensland (QLD)
  • Victoria (VIC)
  • Western Australia (WA)
  • South Australia (SA)
  • Tasmania (TAS)
  • ACT and NT

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We are business insurance brokers
What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.

Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.