Carpenter Insurance

Whether you’re a residential or commercial carpenter, carpentry is a highly physical job that requires great skill, strength and persistence. Carpenter’s insurance can cover you when you are building frames to using a nail gun.

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imar carpenter insurance covers

Carpenter Public Liability Insurance

Carpenter’s jobs can take you lots of places including private houses and business sites. Being on someone else property means public liability for carpenters or a self-employed carpenter should be highly considered.

Accidents happen, carpenters can trip or drop tools and public liability protects a carpenters against claims lodged against you by a third party, a customer, the general public, your contractors and suppliers. It includes cover for third party personal accident and injury, property damage and legal expenses in defending a claim.

imar’s carpenter public liability insurance offers a choice of indemnity options for 5, 10 or 20 million dollars.

Carpenter Insurance for Tools

If your tools are stolen, you can’t do your job, so tool insurance for carpenters should be highly considered. Drop saws, hammer drills and impact drivers are only a few of the tools that need to be insured in case they are damaged or stolen.

imar tool insurance covers your tools of trade, hand held tools, mobile phones, stock and customer’s property which are used by you in the normal course or scope of your business. Portable electronic goods like mobile phones are covered under the tool insurance for carpenters.

Tool insurance protects your tools or stock if they are stolen or damaged.  If your tools are stolen from a locked vehicle or premises, they are protected. If your tools are damaged by fire, vandalism and the collision or overturning of your vehicle, they are protected.

There are important limitations and conditions on cover, particularly where tools are stored and how they are secured; including a deprecation factor on insured values. Please refer to Product Disclosure Statement.

Subcontractors cover included

Our policies also include Vicarious Liability cover which means if you’re drawn into a legal action as a result of a subcontractor’s negligence, you’ll be covered.*

*Subcontractors require independent public liability insurance

Accident and Sickness Insurance for Carpenters

Whether you are working on site or playing footy on the local oval, imar’ accident and sickness (injury and illness) insurance covers you 24/7. While working on site or playing footy on the local oval. If you are accidentally injured or suffer a covered illness and you can’t work for a temporary time.

Commercial Motor Insurance for Carpenters

Motor vehicles like utes and 4x4s are essential for carpenters and can be covered by imar’s commercial motor insurance comprehensive policy, and as part of your overall insurance. Fully comprehensive and 3rd party policies are available. In addition imar cover permanently fixed tool boxes and tools of trade permanently attached to the vehicle or trailer.

Tax Audit Cover for Carpenters

imar will cover you for up to $10,000 of your accountant’s fees, charges, expenses which are reasonably incurred to prepare for any statutory tax audit on your behalf. Carpenters may often be targeted for audits, so at imar we want to minimise your risk.

Contract Works Insurance

As a carpenter, contract works insurance might be required to cover damage to the work you are doing while under construction from occurrences such as flood, storm, theft of materials and fire. This might require an additional policy and our friendly team can advise you further.

Cover for goods and materials in transit

If building materials or other goods are damaged while they’re under your control and being transported, imar has you covered. Your cover automatically includes $5,000 cover for Goods in your Physical Legal Control during transit – it’s added peace of mind for you and your clients.

Result of faulty workmanship cover

If your work is found to be faulty and results in 3rd party property damage, imar has you covered.

In Summary

Carpenters may build similar offices on a commercial site or create unique kitchens in renovations. Whatever the job, imar aims for carpenters to be focused on their strenuous jobs while the chippy, their tools, their motor and their business are protected.

Call 1300 054 956 and press 1 to speak imar’s experienced team and get a better peace of mind. imar makes insurance for carpenters easy, informed and affordable

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You should consider if the insurance is suitable for you and read the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and policy wording before making a decision to acquire insurance. Please ask us for more details before we provide you with our services. Our FSG is available on our website.