What's Carpenters Insurance?
As a carpenter you do a lot to protect yourself at work, so don’t forget to protect your livelihood too.
Working with power tools, machinery, volatile materials and inexperience are just some of the things that could put your livelihood as a carpenter at risk.
Whether you're a sole trader, contractor or sub-contractor – all carpenters can benefit from taking our insurance to protect their livelihood. At NRMA Insurance, we're here to help and you can save up to $100 when you buy business insurance online.
Need a certificate of your current policy?
If you need to prove you hold an existing NRMA Business Insurance policy, you can request a Certificate of Currency.
If you would like a copy of your policy, you can request a Certificate of Insurance.
If you require we can provide you with a Tax invoice.
Most popular types of cover
Choosing the right cover for your business can be complicated. To help you with making these important decisions, we have provided you with the coverage that most businesses like yours choose:
- Public and Products Liability: Cover claims against you for negligent acts that can be connected with your business and result in personal injury or property damage
- General Property: Cover your business property, equipment and tools of the trade against loss, damage or theft
- Personal Accident and Illness: Working as a carpenter means you're exposed to a range of risks, more so than other professions. Protect your income against personal accidents with sharp tools, machinery and manual labour that leaves you unable to work
- Fire and Defined Events: Your carpentry tools, equipment, contents and business premises can be covered against loss or damage caused by fire, malicious damage, storms, lightening and earthquakes.
- Burglary: Covers you from an unknown person(s) breaking into your premises, or the premises you are renting, and stealing your business stock, contents or equipment
- Motor Vehicles: Covers you for business motor vehicles and mobile plant used to operate your business
- Burglary: Covers you from an unknown person(s) breaking into your premises or the premises you are renting and stealing your business stock, contents or equipment
- Money: Covers money being stolen from your premises
- Multiple Risks: Covers you for accidental loss or damage to specified items of property anywhere in Australia or New Zealand
- Tax Audit: Provides you cover for the cost of professional fees resulting from an audit or investigation which relates to you paying a tax
- Fraud and Dishonesty: Provides cover for you against loss of money caused by any fraudulent or dishonest act or omission by an Employee with the clear intent of making improper personal financial gain
- Electronic Equipment: Covers you for breakdown of office equipment such as computers, printers, fax machine and phone equipment
- Machinery: Covers breakdown of cash registers, cool rooms, display fridges or air conditioners
- Glass: Covers breakage to shop front windows, glass shelving or display cabinets, sign writing and advertising signs
- Business Interruption: Covers the loss of profits after your business suffers damage due to an insured event, such as a fire or storm and the business is closed for the process of rebuilding or repairing the damage. If you are no longer able to trade because of this event, you can continue to receive a cash flow to help ensure your business returns to its normal operation
Why do carpenters need insurance?
As a carpenter you're exposed to occupational risks on a daily basis.
- Carpentry involves working with potentially hazardous materials such as sawdust, woodchips, solvents, paint, adhesives and other chemicals
- You're also required to work in a physical environment with sharp tools and machinery that can result in personal accidents and injury
- An accident with a nail gun or the theft of your tools could see you out of work for months
When it comes to protecting yourself against the wide range of risks you face, the right insurance can help you to safeguard your business or livelihood, and provide you with peace of mind – so that you can get on with running your business.
How can Carpenters Insurance benefit your business?
Working in a higher risk industry means that you're exposed to risks that could result in a claim against your business, or leave you unable able to work. The main benefits of taking out an NRMA Tradies Insurance policy to protect you and your business includes:
- Income protection should you be unable to work
- Quick replacement of lost, stolen or damaged tools
- Financial protection if your work activities result in property damage or personal injury to another person
- Cover for commercial vehicles against theft, fire or accidental damage
- Cover for money that's stolen from your business premises
- Protection for your business against fraudulent or dishonest acts or omissions
- Cover for the loss of business profits you may suffer from a disruption due to an insured event like a storm or fire.
Including your home in your Business Insurance?
Things you should know
Our Home Key Facts Sheet (KFS) sets out some of the events/risks covered and not covered by our domestic homes listed in Business Insurance policies and other information you should consider. These sheets do not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for more details.