Comprehensive Insurance
for Carpenters —
Securing Your Craft
Protect your woodworking business with specialized insurance designed specifically for carpenters.
Get rates from America’s leading insurance providers with an instant quote from us
Why Carpenters Need Insurance
Carpentry involves a variety of tasks, each carrying significant risks. Without the right insurance, one accident can lead to financial strain. Carpenter insurance is essential for shielding your business from:
- Injury Risks: Carpentry often involves the use of heavy machinery and sharp tools, leading to possible injuries. Workers’ compensation ensures that medical expenses and lost wages are covered if any accidents occur on the job.
- Property Damage: Whether you’re installing cabinets or framing a house, there’s always a chance of accidental damage to a client’s property. General liability insurance covers any claims related to these incidents, sparing your business from costly repairs.
- Legal Liabilities: If your work is ever accused of causing harm or property damage, legal battles can drain your resources. Liability coverage provides protection from legal fees and settlement costs, ensuring your business remains secure.
Common Hazards Faced by Carpenters
The physical nature of carpentry increases the chances of accidents. Proper insurance coverage helps mitigate the impact of these incidents on your business. Here are some common risks:
- Falls: Working on elevated surfaces or ladders can lead to falls, resulting in serious injuries.
- Tool-Related Injuries: The constant use of power tools and sharp instruments increases the risk of cuts or more severe accidents.
- Electrical Hazards: Carpentry work may involve handling electrical components, exposing workers to risks like shocks or fires if not handled properly.
- Equipment Failures: Malfunctioning tools or improper handling can lead to accidents, causing injuries or delays in your projects.
Get a Carpenters Contractors Insurance Quote fast
Only 5 minutes of your valuable time. We can often get same day coverage.
Insurance Solutions for Carpenters
To ensure full protection, carpenter insurance must cover the different aspects of your business. Here are some critical coverage options available:
-
General Liability:
Protect your business from claims of injury or property damage while on a job site. If an accident occurs, this coverage helps cover medical expenses, repairs, and any legal costs, ensuring your business remains financially stable.
-
Workers’ Compensation:
Carpenters face many physical risks. Workers’ comp ensures your team’s medical bills and lost wages are covered in case of injuries, keeping your business compliant with regulations and reducing the likelihood of lawsuits.
-
Tool and Equipment Coverage:
Your tools are essential to your trade. This coverage protects against theft, damage, or loss, allowing you to repair or replace essential equipment and maintain smooth operations.
-
Commercial Auto:
Carpenters often transport tools and materials to job sites. Commercial auto insurance protects your business vehicle against damages or theft, ensuring minimal disruptions to your projects.
-
Custom Policies:
Every carpenter’s business is unique. Customizable plans can be designed to meet your specific needs, including coverage for subcontractors, specialty tools, or high-risk activities.
Do you have a question?
Call us 24/7.
We do love calls, we will answer you with the best attitude and always willing to help.
- Get your certificate of insurance.
- Update your coverage.
- Edit billing info.
- Change business address.
- Customer Service.
Carpenters Insurance Rates And Coverage
This table displays typical rates and coverage for Carpenters General Liability
for $1 Million/$2 Million Policy.
| State | Coverage | Guard | Travelers | Liberty Mutual | Next Insurance | Nation Wide | Tokio Marine |
|---|---|---|---|---|---|---|---|
| IL | 1M/2M | $1160 | $1584 | $1047 | $1130 | $1100 | $1000 |
| IN | 1M/2M | $975 | $1400 | $962 | $900 | $971 | $915 |
| CA | 1M/2M | $1162 | $1650 | $1053 | $1159 | $1150 | $1150 |
| PA | 1M/2M | $995 | $1450 | $991 | $889 | $994 | $900 |
| WA | 1M/2M | $995 | $1300 | $988 | $917 | $1003 | $950 |
| GA | 1M/2M | $973 | $1350 | $962 | $889 | $990 | $900 |
| CO | 1M/2M | $988 | $1350 | $977 | $890 | $990 | $900 |
| TX | 1M/2M | $979 | $1250 | $968 | $850 | $990 | $850 |
Annual premium above includes unlimited certificates of insurance.
Rating assumes 150,000 gross revenues for carpentering/general contracting with 10% subcontractor costs.
Premium are subject to underwriting approval and financing charges may apply.
Get a Free General Liability Insurance Quote
In only 5 minutes of your valuable time. We can often get same day coverage.
Benefits of Our Insurance Plans
By choosing us for your carpenter insurance needs, you’ll receive several benefits tailored to your business. Here’s what we offer:
-
Affordable Plans from Trusted Insurers:
We work with reliable companies to provide you with a range of insurance options. Our competitive rates ensure cost-effective solutions, no matter the size or location of your business.
-
Quick Claims Process:
Efficiency is crucial in carpentry. Our streamlined claims process ensures you receive support swiftly, minimizing disruptions to your projects.
-
Flexible Payment Options:
Understanding the financial demands of carpentry projects, we offer customizable payment schedules to fit your budget.
-
Expert Insurance Advice:
Our team of professionals helps you navigate coverage options, ensuring you’re protected from all angles, including general liability and workers’ compensation.
-
Nationwide Availability:
We offer coverage across the country, keeping you informed of local regulations and ensuring your business complies with state-specific insurance requirements.
What Happens If You Don’t Get Carpenter Insurance?
In a worst-case scenario, failure to cover your company with carpenter’s insurance can result in hefty fines from states in which carpenter’s insurance is mandatory.
However, in most cases, it can cost you a bid on a job as most clients looking for carpentry work are also looking for someone with liability insurance coverage.
Other losses might include reputation loss, significant financial loss, and loss of your right to work as a carpenter. Be sure you are covered in all these respects with the help of one of our licensed insurance agents.
Real-Life Experiences
Our carpenter insurance plans have consistently supported professionals in safeguarding their businesses:
Don’t wait for an accident to occur. Contact us today for a personalized consultation and secure your business with a comprehensive carpenter insurance plan tailored to your specific needs.
Here’s What Contractors Think
Frequently Asked Questions
Carpenter Insurance covers third parties only. In most states, it is a requirement to offer some form of Workers Compensation
Carpentry isn’t as risky as electrician’s work, excavation, or some of the more life-threatening jobs associated with general contracting.
However, carpentry does come with inherent risks, and it is those risks that our knowledgeable insurance agents seek to get covered with the help of the insurance companies that we work with.
You wouldn’t settle for standard quality when it comes to the most important aspects of your life. So, why would you settle for a plan that’s full of holes and vulnerabilities when it comes to insurance? Personalized insurance coverage through Contractors Liability includes:
- Licensed insurance agents who are dedicated to our general contractors and artisan contractors.
- Flexible rates from A-Rated insurance providers.
- These are just 2 good reasons. See the other 13 other great reasons here.
We’ve collected all the most useful things in our e-books
Just read and in 30 minutes you will know everything about insurance.
