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Talk to a Hiscox agent in Spanish, from Mon-Fri 9 am - 10 pm ET. Call 1-833-816-2814
Hable con un agente de Hiscox en español, de lunes a viernes, de 9:00 a 22:00 ET. Llame al 1-833-816-2814
A carpenter without the right insurance is like a staircase without a handrail. Open to risk.
Saws, chisels…the tools of your trade are sharp. Sure, you’re careful, but accidents happen and mistakes are made. The point is, you need more than gloves and eyewear to protect you.
What if a customer steps on a protruding nail and it pierces their foot? Or you drop your power drill, cracking a newly tiled floor? Or a client claims the parquet floor you laid isn’t level?
You could find yourself on the sharp end of a lawsuit. And that could seriously sting. Add carpenters’ insurance to your toolkit and protect your business from costly legal claims.
Because a claim can be made against you even if you’re not at fault.
All it takes is one unhappy client to find yourself in a serious fix. And if a case goes to court and gets drawn out, you’re looking at legal fees of 5 or 6 figures. Damages, too, if you’re found liable.
Without the right coverage, how will you cover that?
General liability insurance is the support you want. When the chips are down, it can pick up medical expenses, legal fees and compensation. Even if the claim is groundless.
General liability insurance doesn’t cover claims made over the work you’ve done or the carpentry services you provided. That’s what professional liability (or errors and omissions) insurance is for.
If a client claims you made a mistake, or your work was faulty, and it cost them money it can pay your legal fees and compensation. Even if there are no grounds for the claim.
Which makes it a pretty handy tool to have at your disposal. Because customers can sue you, whether you made a mistake or not. And as coverage can be retroactive, it can protect you from the cost of claims over work you’ve done in the past, too.
Our policies are designed with small business and start-ups in mind. So there’ll be a price to suit your pocket even if you’re a one-man band.
The price you’ll pay for your coverage will depend on things like:
Choosing a higher deductible (the amount you’ll contribute towards the cost if there’s a claim) will reduce your premium. Just be sure you could actually afford to pay that amount if you have to.
Whatever the cost, there’s a package to suit your particular business needs. And payment options, too, so you can spread the cost to suit your budget.
As for the amount of cover you need, it’s always best to over-estimate. Think worst-case scenario. Then pick a figure you can sensibly afford.
Business personal property insurance (BPP)
If you take equipment like laptops and mobiles to meetings, this policy is worth having. It also covers the portable stuff in your office - from your furniture to your potted plants.More info
Business owner's policy (BOP)
Comes with general liability, property, and business equipment insurance as standard. Plus, a range of optional add-ons, including coverage for:
Cyber liability insurance
If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives from one.More info
Workers' compensation insurance
Most states require you to have this policy even if you only have one employee. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.More info
Because we understand every business is different, we'll build an insurance package to suit your needs. In minutes.
To build the right insurance package for you call one of our licensed advisors today on 978.344.4215.
For help, support or just a quick question, feel free to call me.
I'm Amber - I'm here to help you Monday to Friday, 9am-5pm ET.
My direct line is 978 344 4225.
Customer Service Representative