CARPENTER & JOINER INSURANCE

Whether you are a self employed carpenter or joiner, or have employees, we can provide you with the cover you need within our contractor policy.

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  • Tradesmen save an average of £91 when they switch to us*.
  • £1m public liability cover as standard with optional employers liability cover.
  • Option to cover loss or damage to tools and materials.
  • Policies underwritten by Allianz Insurance plc.

To celebrate our 10th birthday we're giving away £10,000 in shopping vouchers. Simply get a business insurance quote today for a chance to win...

As the first direct business insurance provider, Premierline Direct helped transform the way business insurance was boughtPLD_col

  • By making it possible for you to buy direct, we set new standards for speed, service and value. Today we continue to pride ourselves on being a responsive, reliable team who really understands small businesses. We know that running a business is hard work and organising your carpenter and joiners insurance, while necessary, can be a chore.  At Premierline Direct, we make arranging your business insurance quick and simple. Our aim is to let you sleep easy in the knowledge that you have the right cover for your business needs, at a great price. And what's more, when you get a quote from us you will be automatically entered into our £10,000 birthday giveaway, where you could win between £25 and £1,000 in shopping vouchers.

Save money on your tradesman insurance

  • As the first business insurance provider to deal directly with our customers, we have been able to offer some fantastic savings. In fact, our customers save an average of 22% when they switch to Premierline Direct.

Our policies are designed to meet the needs of self employed tradesmen.  But we believe that no two businesses are exactly the same and you should only pay for the cover your business needs

  • Our standard contractor insurance policy is designed to cover the legal liabilities of your business including cover for accidental damage to your customer's property and the flexibility to add employer's liability if you need it. But we understand that no two businesses are exactly alike and that's why we offer many optional extras such as cover for hand tools or hand held portable power tools.

Our insurance policies are primarily underwritten by Allianz Insurance plc, one of the UK's largest insurers

  • Over 30,000 businesses (and growing fast) have chosen Premierline Direct for their business insurance.  If you're looking for insurance for your business, Premierline Direct can help. Our insurance policies are primarily underwritten by Allianz Insurance plc, part of the global Allianz group so we can give you the peace of mind that comes from being insured by one of the UK's largest insurers.

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We give our customers far more than just contractors insurance

Because great service counts, you'll find Premierline Direct easy to deal with whether online, over the phone or even face to face, whatever suits you best

  • Like all good businesses, we understand the importance of listening to our customers. Our highly trained team of UK-based business insurance experts understand your business insurance priorities and you'll find them helpful, efficient and ready to give you an insurance quote on-line or over the phone. There are no forms to fill in, and we will get your documentation to you quickly. 

And if you need to claim, we're right there for you 24/7, ready to get your business back on the road. Fast!

  • We know how devastating an insurance claim can be. So, if things go wrong and you need to claim, we make sure we act fast to get you back in business with minimal fuss or delay.  Whether it be day or night our 24/7 claims line will provide you support at your time of need.  Our commitment is to settle claims fairly and efficiently.  Find out what we can do for your business.  Call us now for a carpenter and joiners insurance quote.

All our customers have access to an exclusive online risk-management website - giving you a whole range of tools to help you plan and manage your business

  • Our exclusive online risk management website, Risk Director, is an interactive online one stop shop of risk management and support giving impartial guidance on risk assessment, training and development.  Along with advice on a range of health, safety and environmental matters.

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Standard cover

Our Contractors insurance policy provides the following cover as standard:

Public Liability

  • Public Liability - covers your legal liability in connection with your business to members of the public for accidental injury or accidental damage to property.
  • Cover is provided for a limit of £1 million for any one occurrence and may be increased to £2 million or £5 million for most trades. The limit for pollution or contamination is £1 million regardless of the previous option selected. Your quotation/policy schedule will record which option you have selected.
  • Cover includes:
    • Your liability for bona fide sub-contractors
    • Principal/Employer Extension
    • Health & Safety at Work Legal Defence Costs
    • Contingent Motor Liability
    • Court Attendance Compensation
  • Cover may be extended to apply in respect of up to 3 temporary employees.

The following cover is mandatory where you have employee(s):


Employer's Liability

  • Employer's Liability - covers your legal liability in connection with your business to your employees.
  • Cover is provided for a limit of £10 million for any one occurrence.
  • Cover includes:
    • Principal/Employer Extension
    • Health & Safety at Work Legal Defence Costs
    • Court Attendance Compensation
  • Cover may be extended to apply in respect of up to 3 temporary employees

The following covers are optional at extra cost:


Tools

This cover is not applicable if the Contract Works option is selected.

  • Covers loss or damage to hand tools or hand held portable power tools and parts and other business equipment.
  • Limits of £1,000, £1,500 or £2,000 in any one period of insurance per person are available. There is a limit for any one Tool of £300.

Contract Works

Covers loss or damage as follows dependent on option selected:

Cover - any one lossSelection ASelection B
Maximum contract price any one loss £100,000 £250,000
Own plant and tools sum insured £10,000 £20,000
Temporary buildings sum insured £2,500 £5,000
Plant and temporary buildings on hire sum insured £50,000 £50,000
Employees tools & personal effects sum insured £1,500 £2,000
Single article limit £300 £300


Personal Accident

  • Covers you or your partners or working directors aged between 16 and 65 against accidents occurring at work, which results in total disablement.
  • Temporary total disablement. £200 weekly benefit - up to a maximum of 104 weeks.
  • Permanent total disablement £5,000 capital sum.

Related products

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Commercial legal protection

Commercial Legal Expenses is an optional cover underwritten by DAS Legal Expenses Insurance Company Limited, designed to cover your legal expenses in certain circumstances. Cover applies under the following 6 headings:

  • Employment disputes and compensation awards
  • Legal defence
  • Contract Disputes
  • Property protection and bodily injury
  • Tax investigation and VAT disputes
  • Statutory Licence Protection

Cover limit £100,000 any one claim; maximum limit of £1m in any one period of insurance for Employment Compensation Awards.

Significant Exclusions or Limitations for Commercial Legal Expenses:

Employment disputes and compensation awards

  • Disputes where the cause of action arises within the first 90 days of the cover provided. See Exclusion 1 to Insured Incident 1 (A) of Section 6.
  • Disputes with an employee who was subject to a written or oral warning (formal or informal) within 180 days immediately preceding the inception date of the cover provided. See Exclusion 2 to Insured Incident 1 (A) of Section 6.
  • Redundancy or alleged redundancy or unfair selection for redundancy arising within the first 180 days of the cover provided. See Exclusion 3 to Insured Incident 1 (A) of Section 6.

Legal defence

  • Prosecutions for motoring offences. See Exclusion to Insured Incident 2 of Section 6.

Contract disputes

  • Letting and tenancy agreements are excluded. See Exclusion 2 b) to Insured Incident 3 of section 6.
  • Disputes from a loan, mortgage, pension or investment are excluded. See Exclusion 2 c) to Insured Incident 3 of section 6.
  • Contracts involving a motor vehicle are excluded. See Exclusion 2 d) to Insured Incident 3 of section 6.

Property protection and bodily injury

  • Contracts entered into by you. See Exclusion 1 to Insured Incident 4 (a) of Section 6.
  • Goods in transit lent or hired out by you. See Exclusion 2 to Insured Incident 4 (a) of Section 6.
  • Goods not at your premises unless you are using them. See Exclusion 3 to Insured Incident 4 (a) of Section 6.
  • Damage to or caused by motor vehicles unless you are a motor trader. See Exclusion 6 to Insured Incident 4 (a) of Section 6.
  • Injury caused by a motor vehicle. See Exclusion 6 to Insured Incident 4 (a) of Section 6.

Statutory Licence Protection

  • Any licence appeal relating to the ownership, driving or use of a motor vehicle. See Exclusion 2 to Insured Incident 6 of Section 6.

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Exclusions & limitations

These are some of the Exclusions that apply to the policy. There are also further provisions and general conditions and exclusions. Details of these can be found in the policy document. Other additional terms and conditions may be applied in certain cases.

Section Exclusions

Public Liability

  • Injury to any employee. See Policy document, Section 1 Exclusion 1.
  • Loss or damage to property in your charge or control, goods supplied or installed or cost of rectifying faulty work. See Policy document, Section 1 Exclusion 7 & 8.
  • Loss or damage due to pollution or contamination unless caused by a sudden and unintended incident. See Policy document, Section 1 Exclusion 4.
  • Precautions need to be taken when using heat or carrying out excavation work. See Policy document, Section 1 Conditions 1 & 2.
  • Injury caused directly or indirectly by asbestos. See Policy document, Section 1 Exclusion 13.
  • Temporary employees unless shown on the Schedule. See Policy document, Section 1 Exclusion 12.

Employer's Liability

  • Temporary employees unless shown on the Schedule. See Policy document, Section 2 Exclusion 3.
  • The £10 million limit is reduced to £5 million in respect of acts of terrorism. See Policy document, Section 2 Limit of Indemnity b.

Tools

  • Theft or theft damage of tools by you or any other partner, director or anyone employed by you. See Policy document, Section 3 Exclusion 3a.
  • Minimum security requirements apply See Policy document, Section 3 Exclusions 3b, c & d.
  • Loss due to unexplained disappearance or inventory shortage. See Policy document, Section 3 Exclusion 7.
  • Any consequential loss. See Policy document, Section 3 Exclusion 2.

Contract Works

  • Property where you are relieved of responsibility under contract conditions. See Policy document, Section 4 Exclusion 1e.
  • Computer equipment in excess of £2,500. See Policy document, Section 4 Exclusion 1k.
  • Caused by pollution or contamination. See Policy document, Section 4 Exclusion 4d.
  • Theft or theft damage of tools by you or any other partner, director or anyone employed by you. See Policy document, Section 4 Exclusion 3a.
  • Minimum security requirements apply. See Policy document, Section 4 Exclusion 3b, c & d.

Personal Accident

  • Cover only available for those members between the ages of 16 and 65. See Policy Document Section 5 Definition of Member.

Policy Exclusions

Work involving specified hazardous locations or activities is excluded - see Policy Exclusion 6.

Excesses:

Excesses apply to certain types of claim.

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