Carpenters insurance

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Mike maur
It's been a pleasure dealing with Elizabeth, Def a Gem for her business. Amazing communicator and process dealing with all the paperwork was made easy and stress free. Keep it up !
Nov 28, 2024
Nasir Abbas Kazmi
I applied vehicle Finance through Swoop & lady Ikra help me from Beginning to end,she s very professional & helpful. Its just took 3 to 4 days & now i got new vehicle. I received Best customer services from Ikra & High recommend for this Swoop Finance.
Nov 26, 2024
Hazel Cuizon
Ayesha was very prompt and friendly to deal with and answered all my questions in a timely and professional manner. Very happy, highly recommend 🙂
Nov 24, 2024
Andrew Frazer
Cynthi was a fantastic help in organising what was needing and obtaining finance
Nov 8, 2024
Chris Skeates
Predrag and the Swoop team have been outstanding. Very attentive to our needs and staying on top of our funding request with their partners.
Oct 24, 2024
Leo Tsuo
Great experience. They quickly understood my needs and was fast to find a lender that met those needs. Highly recommend
Oct 22, 2024
Kash De Silva
I had a fantastic experience working with Elizabeth Tan for my business lending needs. She provided exceptional support and guidance, helping me navigate the process with ease. Her expertise and dedication were instrumental in taking my business to the next stage. I highly recommend her to anyone looking for lending assistance!
Oct 15, 2024
Shannon T
Cynthia has gone above and beyond, explained the process, consequences, and found me the most suitable solutions for my business in a very busy time! I found the help (even before I was guaranteed to use them) invaluable and the help made all the difference!
Oct 9, 2024
Jon Marc
Swoop came in at just the right time and there help was very much what took me over the hump to expand. They really know how to help and they follow up and make sure you’ve been taken care of!
Oct 8, 2024
Tendekai Mutemeri
Would recommend anyone to use my lovely lady, she went above and beyond to get me my business finance, the response when I had a question about anything and everything was on point, got me the deal I could have asked for, please use her services 🙂 😊 😀
Sep 6, 2024
North-CM
Ikrah was really phenomenal in providing finance for our company. Her communication was absolutely brilliant. Ikrah surpassed our expectation and really went above and beyond in ensuring all our needs were met as a business and we were satisfied on a whole. Absolutely pleasure to deal with Ikrah I shall ensure to pass your details on with other business associates. By far the best service I have ever been provided with…. 10/10
Sep 6, 2024
Aldo
Absolutely wonderful service. Cynthia was proactive, professional and 100% committed to get the best result for my company. I have not seen this performance in other companies in the last years and I am very difficult guy to deal with. Keep doing what you are doing Cynthia great job. Thank you.
Aug 29, 2024
Andy De Silva
Very helpful team I was kept in the loop throughout the whole process very happy with the APR rate quoted & received for my business loan I would certainly recommend using Swoop & will use again for future business development loans if required.
Aug 16, 2024
Consumer
Cynthia was fantastic! So quick and efficient at sorting out our finance and getting the best rate possible! Highly recommend.
Aug 12, 2024
Uchenna
Dave Cummings was amazing with helping my business secure funding for a company car. He was very patient and pleasant to work with. I highly recommend Swoop Finance for your business.
Aug 1, 2024
Brian Hardy
Working with Swoop made things easy, he provided us with two solutions to have available to support our growth and they work well. Having connections across North America (even Mexico) and beyond, definitely recommended.
Jul 31, 2024
Michael Fisher
Extremely quick quality service, Adrian was first class in answering any queries I had regarding the finance he had arranged for us. The whole process was pretty painless. Would most definitely recommend Adrian and Swoop
Jul 31, 2024
ACU
Fareeha's turnaround time in getting back with me after my initial call with her was very expedited and an overall great experience. Her overall efficiency, precision, and customer service is impeccable. I am thankful that she took my initial call (by way of Evelyn - Another 5 Star Swoop Employee). It has been a peaceful & solution-oriented experience thus far!
Jul 26, 2024
ACU
Evelyn was very informative and helpful in my first time contacting Swoop. She was very transparent and honest in her interactions and responses. Very on point employee in your company!
Jul 24, 2024
DriveNet, Ltd
I worked with Pedja at Swood to secure a term loan with BDC. What Pedja did that I could not was find the right contact at BDC to speak to. I had actually spoken to BDC before speaking to Swoop and they passed on partnering with us. Sometimes with financing it is who you speak to and Pedja introduced us to his BDC contact who was able to help us secure funding. It was as simple as an introduction but it made all the difference.
Jul 23, 2024
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    Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025.

    No matter how experienced a carpenter you are, or how diligent you are with safety, accidents and mistakes can happen any time. Most carpenters, especially sole traders and the self-employed, cannot afford to be out of work through injury, illness, property damage or lost equipment and tools. Add in the possibility of large compensation claims from people who say they have suffered loss or injury because of the work you do, and you simply cannot take the risk of going uninsured. 

    Carpenters insurance is specially designed to protect tradespeople from the downsides of doing business. Read on to find out all you need to know about this essential cover.

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      Do carpenters need insurance?

      Many carpenters work in the construction industry where the potential for accidents, theft, errors and omissions is high. However, even if they work in a ‘safer’ environment, such as a joinery shop making furniture, carpenters still need insurance to protect against claims and costs that could arise from mistakes or mishaps common to the trade. In short, carpenters need insurance to protect themselves, their employees, their tools, vehicles and assets, and their financial stability. 

      Why do you need carpenter insurance?

      What would you do if your vehicle, tools or costly materials were lost, stolen, or damaged by fire or flood? Additionally, compensation claims for personal injury or property damage or loss caused by you, your employees, your vehicles or the work you do could run into the tens or even hundreds of thousands of pounds. Could your carpentry businesses afford such a blow? One mistake or accident could put you out of business permanently and leave you saddled with enormous debts. 

      Instead, carpenter’s insurance can include public liability cover that pays out if a member of the public is hurt or suffers property damage caused by your work, tools insurance to protect your essential trade equipment and machinery, van insurance to cover your commercial vehicle, stock insurance to protect the raw materials and finished goods you keep in store, and employers’ liability insurance that covers your employees or other tradesmen you have hired from personal injury or property damage caused by the work they do for you.

      Is public liability insurance a legal requirement for carpenters?

      No, only employers’ liability insurance is required by law. However, you may find that some clients, especially councils and other public bodies, may not do business with you unless you have public liability insurance to a minimum level of cover. 

      Types of insurance for carpenters

      There are many types of insurance for carpenters, but the most important cover includes:

      Public liability insurance

      Public Liability Insurance protects you and your carpentry business if someone is injured, or their property is damaged because of the services that you or your business provides. This type of cover, also known as PL or Liability Insurance, is designed to protect your business against third party claims for injuries or property damage from a customer or client, passer-by, or a visitor to your business premises – whether you’re at fault or not.

      Van insurance

      Van insurance covers your work vans and any personal contents you are carrying, such as your professional tools, from accident, fire or theft. Van insurance can also cover any goods or materials that you are transporting and protect you when you’re travelling to multiple places on business as well as your daily commute. For an extra charge, most insurers will offer other insurance options, such as courtesy van hire and breakdown service and recovery. This can minimise the impact on your business if your van is off the road due to an accident.

      Employers’ liability insurance

      Under the Employers Liability Act of 1969, employers’ liability insurance (EL) is a legal requirement for most UK employers. EL protects you and your employees, (including those who no longer work for you), should they be injured or become unwell as a result of working for your business. EL typically covers the associated legal and compensation costs, and other damages of such events, but it can also cover accidental injury or damage caused by an employee to a third party, such as your customers.

      What does carpenter insurance cover?

      Depending on the type of cover you buy, carpenter insurance can protect you financially from:

      • Claims made for injury or damage to employees, sub-contractors, clients, members of the public
      • Claims for property damage or loss
      • Project errors and omissions (also known as contract works)
      • Theft of tools, equipment or plant (both owned by you or hired in) 
      • Loss of earnings
      • Legal disputes
      • And more

      How much does carpentry insurance cost?

      Premiums for carpenters insurance can start at less than £8 per month, but the price you pay will depend on the size of your business, the number of employees you have, the level of risk attached to what you do, the amount of cover you choose and the limit of your policy excess. 

      How Swoop can help

      All business involves risk, but that doesn’t mean you have to suffer the consequences if things go wrong. Don’t let an accident, mistake, or omission wreck the business you’ve worked hard to build.

      Contact Swoop today to compare top-quality carpenters insurance from different providers and to discuss all your business insurance needs

      Written by

      Chris Godfrey

      Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance.

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      At Swoop we want to make it easy for SMEs to understand the sometimes overwhelming world of business finance and insurance. Our goal is simple – to distill complex topics, unravel jargon, offer transparent and impartial information, and empower businesses to make smart financial decisions with confidence.

      Find out more about Swoop’s editorial principles by reading our editorial policy.

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