📖 Carpenter Guide
The Carpenter’s Guide to Income Protection
One slip with a blade and a self-employed chippy is off the tools. Here is the short version of how to cover that.
Get a Free Quote →Carpentry is precise, hands-on work, and that is exactly where the risk sits. A hand injury that would be a minor inconvenience in an office job can stop a joiner earning for weeks. Add the usual back and repetitive-strain wear and the case for cover writes itself.
If you run a limited company, the one thing to get right is making sure the cover counts your dividends, not just a small salary.
Quick Answers
Carpenter Cover — Quick Questions
Are hand and tool injuries actually covered?
Yes — income protection responds to any injury or illness that stops you working, hand and wrist injuries very much included.
Can I cover dividends from my company?
Yes. We base the benefit on salary plus dividends so you are insured on your true income, not a token figure.
How soon could a claim pay out?
As quickly as a week, depending on the deferred period you pick — handy when there is no sick pay to bridge the gap.
Is it worth it if I am usually fit and careful?
Careful people still get injured, and the cost of being wrong is your whole income. That asymmetry is why most self-employed joiners decide it is worth it.
Good to know: This guide is general information to help you weigh up your options — it is not personal financial advice. Cover, premiums, exclusions and any tax treatment depend on your individual circumstances and the insurer’s assessment. Life Insurance For Me is a trading style of More Than Money Ltd, authorised and regulated by the Financial Conduct Authority (FRN 1047044). See our regulatory information.
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Reviewed by the LifeInsuranceForMe advice team · Last updated · FCA authorised, FRN 1047044