Wood Workers
Professional Insurance Packages for All Types of Wood Workers.
Welcome to Wood Workers Insurance from AIC.
From insuring carpenters through to covering joinery workshops, we at AIC have the experience and importantly the most competitive rates available. As an independent insurance broker with access to more insurers than nearly all other High St brokers we offer an impartial view of the market, with pricing which is at the very best available.
Our professional staff are tasked with answering your calls and question in the quickest of times, and we pride ourselves on making your enquiry our priority.
Whilst we always recommend you call us, there’s an option to complete a full quote proposal form which you can simply download using the full quote form button, then our accurate price is ready to go on cover at your request.
Stock
All types of trade stock can be covered.
Public Liability
Covers against claims made by the public. Limits starting from £1m, £2m or £5 million and more if required.
Employers Liability
Compulsory by law if you employ staff, and will cover any claim made by an employee. Standard cover is set at £10 Million.
Equipment, tools and heavy plant
From insuring accidental damage, theft, and road risk where needed.
Buildings
Covering your building for all types of damage including flood, fire, vandalism, forcible entry & subsidence with the option to also add accidental damage.
General Contents
Covering all office/warehouse furniture, equipment etc.
Computers & Electrical Equipment
Covering your work computers, hard drives, digital display or sound equipment
Tenants Improvements
Covering all fixtures, fittings and furniture you have invested into the building/warehouse
Goods In Transit
Covering all of your or your customer goods whilst out on the road.
Money
Covering money within your business premises and also in personal custody or in transit.
Book Debts
Covering utility bills like gas, water, electricity & council tax should your premises become inaccessible for what-ever reason.
Business Interruption
Covering your business in the event you are unable to trade for what-ever reason such as a fire, flood or explosion, loss of license. The policy will pay for loss of income or profits during this period.
What's included?
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Bespoke Packages
Whether you need cover for everything or you’re just concerned over one specific piece of cover, we can formulate a bespoke package of insurance around your business.
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Dedicated Account Manager
A dedicated account handler will look after you, from sales through to claims, so you’ll always know who you’re dealing with.
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Cost
Our pricing is constantly monitored and from a wide range of insurers, so you’ll always get the best quote.
Need help?
Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.
How to make a claim
Whilst you normally have an emergency phone number stated on your policy documents, we always recommend talking to your account handler first.
Frequently Asked Questions
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How much is insurance for a Builders Merchant?
That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.
We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.
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How much does business insurance cost?
There is no quick answer here, although it can be a lot cheaper than people think. For example Liability insurance for a tradesperson starts at under £75 for the year.
Firstly you should think about the risks, and what you want to cover, plus we can help you understand what your legal requirements are, so then your able to form an idea of what your overall cover requirement is. With this information we at AIC can quickly asses cost from our vast array of insurers, to get you the best market price.
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Do I have to pay in full or can I do instalments?
There are two main ways you can pay your insurance: the full sum to cover the next 12 months upfront, or in 12 monthly instalments over an annual period.
The major drawback to monthly payments is paying by instalment usually makes the total cost of cover higher than it would be if you paid in one go. This is because the insurance company is effectively lending you the money to pay the premium, so it will charge you what amounts to interest on the repayments you make across the year.
By paying In full you are clearing your entire payment all in one go, meaning the insurance company won’t have to lend you the money and you won’t be due any premiums on the loan.
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How can I reduce the cost of my insurance?
Great question and one we can of course help you with! Business insurance premiums are arrived at by the analysis of your likeliness to have a loss. When you apply for coverage, your information will be analysed by an underwriter who is responsible for determining whether or not they will consider writing a policy for you. Each business has completely different circumstances and we highly advise you to get in contact with us so we can understand and advise in the best possible way.
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Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.