Carpenters Insurance
Insurance built around the way carpenters actually carry risk.
We understand how carpenters work across residential and commercial projects.
Carpentry Expertise
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Decades of insurance expertise in the construction and trade sector.
35+ Years
Experience
Local claims advocacy and guidance when you need it most.
Claims
Support
Insurance programs built around your trade, projects, tools, and business.
Tailored
Cover
As a carpenter, you carry risk across every stage of the job, from the materials and tools you bring to site to the work you install and the people working around you. A single incident can damage property, delay a project, or leave you facing a costly claim. From site accidents and stolen tools to damaged materials and defective workmanship, the right insurance program helps protect your business when things don't go to plan.
Ferguson Brown specialises in the construction, property and development sectors, so we understand how carpentry risks can change from one project to the next. Whether you work on residential builds, renovations, commercial projects or as a subcontractor, we can help structure cover around the work you actually do.
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Site accidents
Property damage
Contract liabilities
Defective work
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Injuries to workers, subcontractors or visitors on your site can create costly claims.
Contract obligations can expose your business to financial losses when something goes wrong during a project.
Poor workmanship, installation errors or defects can result in rectification costs and disputes.
Accidental damage to a client's property or existing structures can lead to expensive repair costs.
The risks builders face every day:
Tools theft or loss
Tools, equipment and materials can be stolen, damaged or lost before a project is completed.
What the law requires of property developers:
1. Trade Licence
Licensing requirements vary by state and territory, depending on the type and value of building work you undertake.
2. Home Building Compensation
Home building compensation requirements vary by state and territory and may apply to eligible residential building work.
3. Workers' Compensation
Workers' compensation requirements vary by state and territory and may apply if you employ workers.
Other insurance requirements for builders:
Motor Vehicle
Protects work vehicles used to transport tools, equipment and materials, with cover structured around how your vehicles are used.
Contract
Works
Covers physical loss or damage to the works, materials and plant on site, from fire and weather through to theft, before the project is handed over.
Professional
Indemnity
Covers claims arising from development management decisions or advice given to purchasers, financiers or joint venture partners.
Public & Products Liability
For third-party injury or property damage arising from the site, sales suite or display homes, usually required by councils and financiers.
Home Building Compensation
Required wherever residential building work over $20,000 is being carried out under contract, before any money, including a deposit, is taken.
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Workers Compensation
For businesses with employees, workers' compensation helps provide protection when a worker is injured or becomes ill in connection with their employment.
Tools & Equipment
Your tools are essential to getting the job done. Cover can help protect against theft, loss or damage to equipment you rely on every day.
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Cyber
Protection
Essential where buyer deposits, personal information and contracts are handled digitally through sales and settlement.