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Insurance for Carpenters.

Carpenter Insurance

Insurance for Carpenters

If you’re a carpenter or tradesperson working in Australia, protecting your business with the right insurance is important. Whether you’re a sole trader, subcontractor, or run a carpentry business, having the right insurance helps protect you against potential risks. Carpenters often face unique challenges, from property damage on a job site to injuries, which is why insurance is essential.

Whether you’re a joiner, chippie, or cabinet maker – we make it easy and quick to get Liability Insurance Quotes so you can get covered and on site. Whether you just want liability cover, or you also want your tools or work ute covered, even insuring your wage for accident or sickness, we can get you covered, quickly.

Complete the form below and let us do the comparing for you – we will get quotes from leading Tradie insurers in Australia and provide you with comparable prices and coverage so you can pick a policy that’s right for you – and get on site quickly.

Get Carpenter Insurance Quotes

Request a Quote for Your Insurance Needs

What does your Insurance enquiry relate to?

Before we get started, what type of service are you looking for?

A full review by an Insurance Broker
Full Review to assess what insurances are required by a Insurance Broker

I know what I need - no advice or review required
No review or advice - quotes for insurance covers and limits you request. Depending on your enquiry, we may require additional information to provide a quote.

Select your preferred level of service below:

What is the primary type of Business, Trade, or Service that you provide?

Referrer Name

Brand

Lead Source

Lead Type

Referrer Type

Office

Type

Business Details

What is your Business Name?

ABN (Optional)

Type of Business, Trade, or Service that you provide?

Do you have a building license?

What is your estimated Annual Turnover for this year?

No. of Employees including yourself

Does your business employ Contractors and/or Sub-Contractors or Labour Hire personnel?

Approximate $ paid to Sub Contractors/Contractors:

Do you ensure that Contractors, Subcontractors and/or Labour Hire personnel have their own liability, and keep record of where applicable, where necessary?

Tell us about the types of services and work you do for clients:

Business Activities

Do you do any work or provide services to customers in the following industries?

Manufacturing
Civil Works
Aviation
Marine

Mining
Oil and Gas
Public Utilities

Types of Services/Work Completed

Do you perform external work over 10M in height?

Does your work involve welding?

Do you perform underground work over 3M in depth?

Select Required Insurance Covers

If you are unsure or would like more information on any of the cover types, select 'Yes'.

Insurance Basics
Insurance types that are essential for most business and industry types.

	Yes
Liability
General Property (Tools)
Personal Accident
Commercial Motor
Contractual Liability
Workers Compensation
Other

Business Insurance Types Generally Required
Covers that are commonly required for most Businesses.

	Yes
Contract Works
Burglary
Business Interruption
Corporate Travel
Cyber
Flood
Fire & Perils
Glass
Money
Management Liability
Professional Indemnity
Trade Credit
Transit

Insurance That Applies to Some Businesses
Covers that are relevant for some businesses. generally taken by others in your industry to protect the essential risks of doing business.

Insurance That Applies to a Few Businesses

	Yes	No
Aviation
Environmental Liability
Cancellation & Abandonment
Marine Hull and P&I
Shiprepairers Liability
Investment Properties
Political Risk
Voluntary Workers

Businesses Relating to Customers Goods & Vehicles

Farm Insurance Cover Options

	Yes
Crop
Drones Insurance
Home Buildings
Harvested Crops
Gates & Fences
Livestock
Working Dogs
Farm Property
Farm Motor Vehicles
Farm Interruption
Machinery Farm Interruption
Motor Farm Interruption
Theft of Farm Property
Theft Farm Machinery
Other

	Yes
Home Insurance
Car Insurance
Landlord Insurance
Boat
Other

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

price5m

InsightID

tfa_accident_cover

tfa_general_property annual

Customise Your Liability Insurance

Preferred limit of Liability

$5M Limit$10M Limit$20M LimitNot sure / Other

Customise Your Personal Accident Insurance

Select your level of Personal Accident cover

$1000 per week Personal Accident$1500 per week Personal AccidentOther

Do you want to be covered for Accident Only OR Sickness too?

What is your Date of Birth?

Do you have any pre-existing medical conditions?

Please provide details

Customise Your General Property (Tools) Insurance

Level of General Property Cover Required

$5000 Tools Cover$7500 Tools CoverOther

Do you have any one Tool that is worth more more than $3000 in value?

Tools Over $3,000 In Value

Please specify items and values for each where value is more than $3000

Would you like us to suggest additional insurance types relevant to your Business?

price10m

price20m

price5m_monthly

price10m_monthly

price20m_monthly

Total

Selected Cover Option

Trigger Instant Quote

Quote success

Cover selected

insurance_personal_accident_annual

InsightID

insurance_personal_accident_monthly

Session ID

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

price5m

Session ID

Duty of Disclosure

Please Review Carefully

Before proceeding, ensure you disclose all relevant information. Non‑disclosure may lead to denial or reduction of claims, cancellation of your policy, or voiding of the contract (in cases of fraud). If anything below triggers a “Yes”, be prepared to provide details when requested.

Have you ever had an insurance policy cancelled, declined, or had special terms imposed?
Have you ever been declared bankrupt?
Have you ever been involved in a company or business that became insolvent or was subject to insolvency or voluntary administration (e.g. liquidation or receivership)?
Have you ever been convicted of any criminal offence (other than minor traffic convictions)?
Have you ever been liable for any civil offence or pecuniary penalty (exceeding $5,000)?

Do any of the above apply to you?

Please Provide Additional Details

Claims History

Have you ever had a claim declined or refused due to fraud, suspected fraud or suspicious circumstances?
Have you had any Business or Personal Insurance claims in the last 5 years?
Within the last 5 years, have you ever been charged or convicted of a criminal offence?

Is the answer YES to any of the above?

Please Provide Additional Details

Your Contact Details

First Name

Last Name

Mobile Phone Number

Your Existing Policy Details

To assist us in forwarding your enquiry to your current Insurance Broker, please provide details relating to your existing policies below.

Name of your Insurance Broker or Brokerage

If you are unable to provide the above, please provide details that may assist us in identifying your broker:
- Policy Number/s
- Insured's Name, Email or Phone Number listed on the policy
- Address listed on the policy

Details of you Enquiry

Address Details

Providing your address will allow us to allocate your enquiry to the appropriate team.

Street Address

City

Postal Code

State

Country

Tell us About Your Farm

What is the size of your property?

Please provide additional details about your Farm operations

Upload a copy of your current Insurance Policy Schedule

Save time and upload your current business insurance policy schedule.

Please provide additional details on how we can assist you:

Anything else you would like us to know?

Thank you for choosing Ausure.
Your enquiry has been received and is now with our specialist team.
We’ll be in touch shortly to discuss your insurance requirements and guide you through the next steps.

What does Liability Insurance Cost for Carpenters?

The cost of liability insurance for carpenters in Australia varies based on a number of things including the size of your business, the types of jobs you take on, and the amount of coverage you need – $5M, $10M, $20M or $50M.

$10m of Liability insurance for a Carpenter can start from around $73.92 per month (for 8 installments) or $519 per year.

The above is an indicative quote only, based on a QLD Carpenter with 100k turnover per year, no employees or subbies and $10m of liability. When considering what level of liability insurance to take, it’s important to consider your business.

How Much Liability Insurance do Carpenters Need?

Most carpenters opt for Public Liability Insurance with coverage of $5 million, $10 million, or $20 million, depending on the size of their projects and the risks involved. We do not generally recommend $5m of Liability Insurance as this provides minimum cover in the event of a claim. The usual amount most tradies take is $10m.

Larger contracts or commercial work may require higher coverage. It’s important to assess your work scope, the types of clients you serve, and the risks you encounter to choose the right carpenters insurance coverage for your business.

The types of things to consider when deciding on $5m, $10m, $20m or $50m of Liability Insurance include:

Whether you work only on domestic projects (residential homes) or on commercial projects (including retail & hospitality)
The types of premises where you complete work – stand alone residential homes carry less risk than working in unit blocks/apartments or premises that have adjoining buildings.
Whether you work on commercial or government projects – these will require a higher level of cover and often form part of the contract requirements.

What makes Ausure the right choice for your Carpenter Insurance needs?

Our partnerships with Zurich, Chubb, CGU, QBE and other leading insurers mean competitive pricing and strong relationships to help us negotiate and achieve better outcomes for clients.

When searching for carpenter insurance, chippie insurance, or cabinet maker liability insurance, it’s important to find coverage that’s right for your specific business operations. Not sure what you need? No problem – give us a call on 1300 587 225 or complete the form above for an obligation free chat.

Competitive Quotes

In a recent market comparison, our quotes were sometimes up to 50% cheaper than others provided by competitors. Instant quotes aren’t always better quotes – it’s worth the wait while we do the hard work in getting you appropriate cover options with competitive pricing.

Insurance Made Easy

We help make insurance simple and easy to manage – we can help with all of your insurance needs, from Public Liability, General Property (Tools Cover) and Personal Accident, right through to Commercial Motor, Business Packages and Corporate Travel (and more!)

Dedicated Account Manager

Your insurance policy is managed by the same person for the life of the policy. Not only does that mean that you have a real person that you can call - it means one point of contact for all of your insurance needs and questions.

Fast Quote Turnaround

Depending on your business and insurance requirements, we can usually provide quotes the same day (Monday to Friday) – to get you covered and on site quickly. Choose from an annual or pay by the monthly policy depending on your cashflow.

Full Claims Management

We provide full claims management - from lodgment to follow ups and escalations if needed. We work for you, not the insurer - and fight to get you the deserved claims outcome. Save stress and frustration by not having to deal with the insurer directly - we take care of the entire claims process for you.

Quotes from Leading Insurers

We compare quotes and cover options from leading Tradie insurers in Australia. Save time and money by letting us do the shopping around and comparing for you - we will provide you with a list of quotes from insurers that we believe offer the most competitive premiums and appropriate cover for your needs.

We compare policies from trusted insurers, to find you the right cover at an affordable price. Check out some of our trusted partners below.

What insurance does a Carpenter need?

The types of insurance a carpenter or Tradie needs will depend on the size of your business, the types of clients you do carpentry work for (domestic, commercial and/or government) and the services you provide. Below is the most common types of insurance a carpenter would normally need as a minimum. Don’t hesitate to reach out to an Ausure insurance broker to learn more about the difference type types of insurance a carpenter needs.

Personal Accident Insurance

Individual Personal Accident Insurance Coverage as a result of injury, sickness, death or disability for individuals and/or sole traders with various scopes of cover to choose from.

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Public Liability Insurance

This is essential for carpenters, protecting you if your work causes property damage or injury to others. For example, if a passerby trips over your tools on-site, you could be liable for their injuries.

Request Quote

General Property (Tools Insurance)

Your tools are vital to your trade. Tools insurance covers theft, loss, or damage to your equipment, ensuring you're not left out of pocket.

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Business for Tradies

Tradies that own their own business need to consider different types of policies to those that work for the company as contractors.

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Commercial Motor Insurance

If you use a vehicle for your carpentry business, ensuring it’s adequately insured can save you from unexpected costs in case of accidents or damage.

REQUEST QUOTE

Trade Credit

If you offer credit terms to your clients, Trade Credit Insurance protects you from potentially being left out of pocket if clients fail to pay.

REQUEST QUOTE

We make it easy to get insurance for Carpenters – Australia wide.

	Yes	No
Audit & Investigation
Employee Dishonesty
Electronic Equipment
Machinery Breakdown
Machinery Business Interruption
Motor Business Interruption
Product Recall

	Yes	No	Not Sure
Customers Vehicles at Business
Customers Vehicles on Road
Driving Risk
Faulty Workmanship
Liability for Customers Vehicles

Find & Compare

Insurance for Carpenters.

Carpenter Insurance