In Australia, all carpentry and joinery businesses plus self-employed carpenters and joiners need public liability insurance.
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.
If an accident happens as a result of your carpentry business activity you are responsible. Public liability insurance is needed to help cover damages and legal fees.
For example, if as result of your carpentry activities someone is harmed public liability may help cover their medical expenses and pay for your legal bills.
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 visit a client’s home and accidentally damage shelving , public liability insurance may cover the cost of repairing or replacing the shelving.
Public liability insurance in Australia typically provides self-employed carpenters and joiners cover for:
Public liability insurance cost for carpenters and joiners snapshot:
self-employed carpenter contractors , starts from around $550* or $50 per month.
$5 million Public Liability Insurance cost for some carpenters with no previous claims starts from around $550* or $50 per month.
Important : the above is a guide only ; pricing may vary significantly from the above based on your size, clients, experience and carpentry business activities.
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