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CARPENTER & FIT-OUT INSURANCE

Insurance Built Around the Build — Not a Generic Small Business Package

A renovation in progress, a structural fix that's later questioned, tools stolen from a site shed mid-job — carpentry carries project risk that a single call-out policy isn't built for. We arrange insurance scaled to how you work.

A Project In Progress Is a Different Risk to a Day Job

A renovation is half-finished when a storm damages materials and completed work on site.

Standard public liability doesn't respond to that — it's built for injury or damage from your actions, not loss to the job itself.

Contract Works insurance is the one built for exactly this: a project, not a single day, exposed on site until it reaches practical completion.

What We Arrange for Carpentry & Fit-Out Businesses

We compare your risk across a panel of insurers and put together insurance that matches how you work — single-day repairs or multi-week projects. For most carpentry and fit-out businesses, that means:

Public & Products Liability

Responds to injury or property damage caused by your work, on site or after you've left. Most head contractors and commercial clients require proof of cover before you start.

Commercial Vehicle or Motor Fleet

Covers the vehicles you rely on to get to site and carry materials and equipment, against accident, theft and damage — scaled from a single ute to a fleet of vehicles.

Tools, Portable Plant & Contract Works

Tools and equipment carried job to job, plus cover for materials and work in progress on a project until it reaches practical completion — protection a single call-out policy doesn't extend to.

Workers Compensation

A statutory requirement the moment you employ anyone, even one apprentice. Requirements and premiums vary by state — we help you get this right for your jurisdiction so you're not caught out at audit time.

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Carpenter & Fit-Out Insurance FAQ

Do I need public liability as a sole trader?

Yes — public and products liability isn't about how many people you employ, it's about the risk you create for other people and their property while you're working. Most head contractors and commercial clients will require proof of insurance before they'll let you on site, solo operator or not.

How do I get a certificate of currency?

Once your policy is in place, we can issue a certificate of currency on request — most clients and head contractors will ask for one before you start a job.

I have an apprentice — are they covered?

Workers compensation becomes a statutory requirement the moment you employ anyone, including an apprentice. Requirements and premiums vary by state — we help you set this up correctly for your jurisdiction.

What's the difference between public liability and professional indemnity for electrical work?

Public liability responds to physical injury or property damage from your work. Professional indemnity responds where the claim is about advice, design, or certification — for example, signing off work that turns out not to meet code. Many electrical contractors need both.

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