CARPENTERS & JOINERS INSURANCE

Insurance for carpenters that builds strong businesses.

Specialist insurance for carpenters and joiners across the UK.

Get the right cover to protect your work, your tools and your reputation.

FCA RegulatedFRN 1034795 · UK
UK Based SupportTrade specialists
Competitive PricesBest value cover
Instant CertificatesSame-day cover
Get a carpenters insurance quote → Speak to a specialist
★★★★★ Rated 4.8/5 from 1,400+ reviews
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COVER THAT SUPPORTS YOUR CRAFT

Comprehensive cover for carpenters & joiners.

Our carpenters insurance policies can include:

Public Liability

Protection against third-party injury or property damage claims on site.

Employers' Liability

A legal requirement if you employ staff, including apprentices.

Tools & Equipment

Cover for your hand tools, power tools and specialist equipment on site or in transit.

Professional Indemnity

Protection for your advice, design and workmanship if things don't go to plan.

Contract Works

Cover for carpentry and joinery work in progress or completed.

Optional Extras

Including van and tools cover, personal accident and more.

Need something specific? Add optional extras like legal expenses, cyber cover or personal accident. See all cover options →

BUILT FOR CARPENTERS. BACKED BY EXPERTS.

Insurance that's tailored to your trade.

Choose the type of carpentry work you do and we'll tailor the cover to suit.

First Fix Carpentry
Structural work, framing and roof construction.
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Second Fix Carpentry
Internal carpentry, doors, skirting and finishes.
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Joinery
Bespoke joinery, fitted furniture and cabinetry.
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Staircases
Design, supply and installation of staircases.
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Kitchens & Bedrooms
Fitted kitchens, bedrooms and built-in furniture.
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Renovations
Refurbishment, extensions and property upgrades.
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View all carpentry services
See all trades we cover
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WHY CARPENTERS CHOOSE RAGADO

Specialist cover. Built for carpenters & joiners.

  • Policies designed for carpenters and joinery professionals
  • Competitive prices from leading UK insurers
  • Instant documents and certificates when you need them
  • UK-based expert support from people who understand your trade
  • Ongoing support when you need to make a claim
Get a carpenters insurance quote →
★★★★★

"Ragado sorted my insurance quickly and the cover is perfect for my carpentry business. Competitive price and great support."

— Liam S., Carpenter & Joiner
HOW IT WORKS

Get covered in 4 simple steps.

1
Tell us about your business

Answer a few quick questions about your carpentry work and business.

2
We compare insurers

We compare quotes from leading UK insurers to find the right cover for you.

3
Receive your quote

Get your tailored quote instantly with clear cover details.

4
You're covered

Buy online or speak to our team and get your certificate straight away.

Get my quote now →
£86m+
Premium reviewed
1,000+
Tradespeople insured
UK
Specialist insurer panel
FCA
FCA regulated
★★★★★

"Brilliant service and cover that actually suits the carpentry work I do. Everything was simple and hassle-free."

Daniel M. · Carpenter
★★★★★

"Great price, quick turnaround and the documents were exactly what I needed for my clients."

Sarah P. · Joiner
FREQUENTLY ASKED QUESTIONS

Carpenters Insurance FAQs

Yes. Most clients, main contractors and site managers require valid Public Liability insurance before you start work. If you employ anyone, Employers' Liability is a legal requirement. PI cover is advisable if you design bespoke joinery or fitted furniture.
Not strictly a legal requirement for sole traders, but it's required by most clients, contracts and main contractors. Most carpenters take at least £1m to £5m of cover depending on the type of work they carry out.
Yes, if you employ anyone — including part-time, temporary, casual or apprentice carpenters. The legal minimum is £5m and non-compliance results in fines of £2,500 per day.
Tools & Equipment cover can include hand tools, power tools, specialist joinery equipment and machinery. Cover typically includes theft from vehicles (with overnight exclusions) and accidental damage. Make sure you declare an accurate replacement value.
Yes. We can arrange cover for carpenters working directly for clients, for main contractors or as sub-contractors. We'll ensure your policy is structured correctly for the type of work you actually carry out.

Protect your business. Protect your reputation.

Specialist insurance for carpenters & joiners as hard as you do.

Get a carpenters insurance quote → Speak to a specialist