What insurances should a carpentry subcontractor have?

Last reviewed July 5, 2026

Carpentry subcontractors should have public liability insurance, workers' compensation insurance, and tools and equipment insurance. These cover liability for injuries, worker safety, and loss or damage to tools on site.

Key points

  • Public liability insurance is a must.
  • Workers' compensation covers employee injuries.
  • Tools and equipment insurance protects against loss.

Having the right insurance helps protect against accidents and damages that can happen on site. It's essential for compliance and risk management. Always check with your state regulations for specific requirements.

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Related questions

General information for Australian construction professionals — not legal advice. Verify jurisdiction-specific requirements with the relevant regulator.