Working in a professional trade exposes you to some very high-risk situations. Carpenters insurance includes a package of coverage designed to protect you from the risks and perils faced every day. We offer insurance for over 450 different trades, giving you the protection you need, at the right price

Get the coverage you need today.
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Any time hammers and bandsaws are on the table, there are risks to be concerned about. And if you’re a carpenter, that’s about every minute of your day. And risk like that needs the right protection.

Our independent insurance agents may not be master carpenters (though some might), but they do know how to help. They’ll explore the ins and outs of your operation and connect you with the coverage you need to keep it all protected. So let’s talk a bit about what you can expect for coverage in your business.

Carpenters insurance protects your carpentry business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now

carpenters insurance

How Risky is the Carpentry Business?

Like we said, there’s hammers and saws involved, soooo…Finish carpenters face a number of property and liability risks that include:

  • Property theft, vandalism, loss, or damage
  • Income Loss
  • Employee illness, injury, or death 
  • Liability claims

Having the right insurance helps you mitigate the costs related to employee injuries, equipment and materials damage, motor vehicle accidents, and more. 

Every finish carpentry business is unique, as you can imagine, and your insurance needs need to be tailored to the size of your company, the number of employees you have, and the type of work that you do.

Essential Coverage for Carpenters

Carpenters Insurance Overview

In most cases, carpenters don’t have customers or the general public on their premises. But you still need liability insurance for occasions where your business causes any sort of third-party bodily injury or property damage off-site.

  • Commercial general liability (CGL) insurance protects you from third-party lawsuits, with coverage for attorney fees, court costs, settlements, and judgments up to your policy limits.
  • Commercial auto insurance covers your drivers and owned vehicles in the event of an accident or other vehicle damage. It covers property damage and bodily injury liability claims, vehicle damage and medical bills, as well as any costs related to lawsuits from auto accidents involving your vehicles. You may also want to talk to your independent insurance agent about your need for excess liability, or commercial umbrella, insurance.
  • Commercial umbrella insurance provides an extra layer of liability protection to a variety of other policies you might have. It kicks in when the limits of your other applicable insurance policies have been reached to protect you from a claim that exceeds the amount of coverage available from your other policy.
  • Finish carpentry contractors also need to protect their valuable property and equipment.
  • Commercial property insurance covers your office space, warehouse or other buildings, and their contents for losses due to fire, theft, vandalism, weather events and more.
  • Property insurance can also include loss of income coverage, or business interruption insuranceIt reimburses you for lost income and helps pay for certain ongoing expenses if you are temporarily unable to operate due to a covered loss (fire, storm, etc.).
  • Inland marine insurance is another form of property insurance that protects your equipment, tools, portable computer equipment, and other supplies from theft, loss, or damage while in transit to and from worksites.
  • Builders risk insurance is another type of inland marine insurance. It provides coverage for damage, theft, or loss of tools and equipment at a worksite, as well as for structures that take on covered damages while under construction.

Do Carpenters Need Professional Liability Insurance? 

New approaches to building and building projects have opened up a stronger need for all kinds of contractors — including finish carpenters — to get set up with the right professional liability coverage. 

As carpenters and other contractors continue to play a stronger role in the design process, their exposure to professional liability claims increases as well. If you take on design responsibilities, or even subcontract to a design firm, the ultimate responsibility for advising clients during a project’s design phase may fall on you.

Professional liability insurance, or errors and omissions insurance, covers professionals, their partners, their employees, and the business itself for damage caused by their services. You can be sued for providing shoddy advice or services, acts of negligence, or even omissions.

Professional liability insurance covers your defense costs and any settlements or judgments that you must pay if you are sued. Most policies can be tailored specifically to the exposures faced by your business.

The best way to determine if you need carpenters insurance is to talk with an independent insurance agent. An independent insurance agent who has experience working with carpenters can help assess all of your unique needs and find the right policies to protect your assets.

Why Commercial Insurance Is Important

Someone could become injured on a job site or property could be damaged. When a catastrophe arises and you are liable, the results could be devastating. Medical bills, repairing or replacing property, and legal fees could drown you and ultimately destroy your carpentry business.

Having the right carpenters insurance coverage will help to offset any financial liabilities that may occur, preventing you from having to pay for damages on your own. In other words, insurance will protect your business from significant financial losses. Furthermore, some types of insurance are required by law and you need to carry them in order to legally operate your business.

Protect Your Employees With Workers Compensation Insurance

Keeping your employees safe from work-related injuries and illnesses is important for both their long-term health and your company’s financial success. Excessive employee injuries and illnesses can be financially devastating for your business.

Workers compensation insurance provides coverage for lost wages and all medical treatment coming from employee injuries in the course and scope of their employment.

Workers compensation insurance provides benefits to injured workers regardless of who is at fault for their injury. And it provides death benefits for a worker’s dependents if there is a fatality.

Who Should Carry Insurance Coverage?

Rough and finish carpenters aren’t the only professionals who should carry the above-mentioned policies; any professional who performs carpenter-related services should protect themselves with insurance coverage, including:

  • Home, business, and framing contractors
  • Cabinet installers
  • Remodelers
  • Framers
  • Deck installers
  • Roofers
  • Construction companies

If you work in any facet of the carpentry industry, carrying the right insurance coverage is crucial.


Get the coverage you need today.
ll For A Free Quote @  855-718-1061

Regulating Agency and References

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