Insurance for carpenters

Carpenter Insurance helps protect tradespeople from the financial impact of property damage, injuries, or third-party claims on-site. Whether you’re working on new builds, renovations, or fit-outs, it’s essential to have a suitable level cover in place to keep your carpentry business safe and running smoothly.

Do carpenters need insurance?

Yes — especially with the number of injury and theft claims in the construction sector. Whether you’re a sole trader, subcontractor, or manage a carpentry team, you’re exposed to risks like injuries, property damage, or theft every day. According to Safe Work Australia, carpenters make up a large proportion of construction injury claims, with tool theft also on the rise nationwide.

Insurance gives you peace of mind and protects your income and reputation. Whether you’re a joiner, chippie, or cabinet maker – we make it quick and easy to get Public Liability Insurance quotes tailored to your trade. Whether you only need liability cover or want protection for your tools, ute, or income due to injury, we can help you get covered and back on-site quickly.

Compare carpenters' insurance

Compare carpenter insurance from Australia’s top trade insurers. Fill out the form below and we’ll compare prices and coverage options on your behalf from trusted insurers — so you can choose protection that meets your budget and business needs, and get on with the job.

Carpenters Insurance Brokers

At Ausure, we specialise in arranging cover for tradespeople and understand the specific risks faced by businesses and workers in the construction and related industries. We compare policies from top insurers like CGU, QBE, Vero, Chubb, Zurich, Allianz and more — to help you find carpenters cover at the best price.

What insurance does a carpenter need?

In addition to public liability insurance, which covers carpenters for property damage or personal injury that a third party suffers as a result of your work activities, the type of insurance you need depends on the work you do, your tools, vehicle, team and other factors. Here are some of the most common types of insurance for carpenters in Australia:

Public Liability

This protects you if your work causes injury or damage. For instance, if a client trips over loose timber and injures themselves, you could be liable.

General Property (Tools Insurance)

Tool theft is one of the most common tradie claims in Australia. Tools insurance covers theft or damage to your equipment, so you’re not left out of pocket.

Personal Accident

If you get injured or fall sick and can’t work, this insurance can provide weekly income payments while you recover

Commercial Motor Insurance

Protects your work vehicle against accidents, damage, or theft. Your ute is one of your most valuable assets — keep it protected

Trade Credit

For carpenters working with builders or clients on terms, this can protect your cash flow in case a client doesn’t pay.

Personal Accident

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.

How much does carpenters' insurance cost?

The cost of carpenter insurance depends on factors such as the work you do, your location, your tools and the amount of cover you need. Most carpenters find they can get the cover they need with annual and monthly payment options generally available, depending on the insurer.

Carpenters
Insurance Quote

To get your carpenter insurance quotes, simply complete the form below. We’ll provide a comparison of quotes from multiple insurers. Coverage and pricing will vary — we’ll explain the differences and help you pick what suits your business best.

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.

Expert Knowledge

A professional broker ensures you have suitable coverage for your unique needs, giving you peace of mind with a tailored insurance program.

Save Time and Money

An insurance broker saves you time and money by understanding your business and securing quotes from leading insurers on your behalf.

We Are On Your Side

Your Ausure broker ensures you have adequate cover and handles the entire claims process, advocating for the outcome you deserve.

How much liability insurance do carpenters need?

Most carpenters choose $10 million in Public Liability cover, though options range from $5 million to $20 million. Factors to consider:

Carpenters Insurance FAQs

Do I need insurance as a sole trader carpenter?

What if my tools get stolen from my ute?

Is $5 million Public Liability enough?

Can I pay monthly?

Carpenters Insurance Australia-wide

Ausure helps carpenters throughout Australia find insurance policies for your business. Whether you’re located in ACT (Australian Capital Territory), NSW (New South Wales), QLD (Queensland), SA (South Australia), VIC (Victoria), or WA (Western Australia), we can connect you with carpenter insurance cover through our key insurance partners.

What makes Ausure the right choice for your Carpenter Insurance?

Competitive Quotes – Save up to 50% vs market averages in some cases
Fast Turnaround – Often same-day quotes to get you on site fast
Easy to Manage – One broker, one point of contact
Full Claims Support – We lodge, manage, and escalate claims for you
Trusted Insurers – We compare major insurers, so you don’t have to.

Our Story

Ausure began back in 1996, with founding offices in NSW, Victoria and the ACT. Since then, the business has grown to become one of Australia’s largest and most widely respected financial services companies.

	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

Carpenters Insurance

Find sutiable carpenter insurance cover at an afordable price for your business.