Small business insurance

Public Liability Insurance for Carpenters

From framing to fit-out, carpenters work alongside every other trade and the public. One slip with a nail gun or a dropped beam can turn into a liability claim. Simple Cover arranges public liability for chippies from solo subbies to small crews, with our licensed team.

Get my quote 1300 080 323

5.0★ from 250+ Google reviews 60-second quote Licensed & Australian

Quick Quote

60 seconds

Occupation

Selected: Carpenter

Liability required

Do you require Personal Accident Cover?

Financial support if you can't work due to injury or illness.

Insured Name

State

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No obligation. Subject to eligibility and underwriting.

Cover

What carpenters need covered

Injury On & Around Site

Nail guns, drop saws, ladders and half-framed structures around other trades and the public. If someone is hurt because of your work or your site, public liability responds to the claim and the legal costs of defending it.

Damage to the Build & Neighbours

Damaging finished work, a neighbour's fence, or services behind a wall. Third-party property damage is the everyday carpentry claim. Public liability carries it, so one mistake doesn't eat a year of profit.

The Limit Builders Require

Builders and principal contractors ask for a certificate of currency and a set liability limit, often $10M or $20M, before you start. We arrange the limit your contracts specify, with certificates on request.

Personal Accident & Illness

You earn with your hands. If an injury keeps you off the tools, personal accident and illness cover can provide financial support if you're unable to work. Tick yes on the quote form to have it priced alongside your liability.

Subbies & Small Crews

Whether you subcontract solo or run a couple of chippies, tell us how you work. Cover gets sized to your setup, including the workers cover your state requires once you employ.

Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.

5.0 from 250+ Google reviews

Reviews are for Stonewell Insurance, the business behind Simple Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).

FAQ

Carpenters insurance questions.

Speak with our team on 1300 080 323.

What insurance does a carpenter need?

Public liability is the baseline, commonly $10M or $20M to satisfy builders and principal contractors, covering injury and damage to others from your work. Many carpenters add personal accident cover to protect their income. We arrange the right mix for you.

Does public liability cover damage to the building I'm working on?

Public liability covers damage or injury you cause to other people and their property, for example damaging finished work or a neighbour's property. It generally won't pay to redo your own defective workmanship, which is worth talking through with us.

Do I need insurance to subcontract to a builder?

Almost always. Builders and principal contractors ask for a certificate of currency and a set public liability limit, often $10M or $20M, before you start on site. We arrange the cover and the certificates you need.

How much does carpenter public liability insurance cost?

There's no single price. It depends on your turnover, the work you take on, whether you employ and the limit you need. We compare options across a panel of insurers and come back with quotes.

Can I get cover as a sole-trader chippy with an apprentice?

Yes. Solo, subbie or small crew, cover is sized to how you work, and we'll flag the workers cover your state requires once you take someone on.

Other occupations we cover

Electricians Plumbers Handymen

View all occupations →

Ready to get carpenters covered?

Tell us about your business in about 60 seconds and we come back to you with options.

Get my quote 1300 080 323

Simple Cover is a registered trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).