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Why do carpenters need insurance?
Nail guns, saws, and the other tools of your trade make carpentry a risky business. Protect your small business against injuries, lawsuits, and theft with affordable insurance for carpenters.
Find the right coverage
Insureon's licensed agents help carpenters find property and liability coverage that matches their unique risks. Fill out our free online application to compare quotes from top-rated providers.
Our expert agents will help you fulfill insurance requirements and get the right amount of protection for your business.
What types of business insurance do carpenters need?
These policies provide coverage for the most common carpentry risks.
General liability insurance
This policy covers basic carpentry risks, such as a client tripping over your toolbox. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Business owner's policy
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for carpenters.
BEST FOR
- Accidents that injure clients
- Client property damage
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers' comp for carpentry businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Missed wages
- Employee injury lawsuits
Commercial auto insurance
This policy covers third-party bodily injury and property damage caused by carpentry vehicles. It can also pay for repairs to vehicles damaged by weather or vandalism.
BEST FOR
- Physical damage and collision coverage
- Medical costs if another person is injured
- Vandalism and theft
Contractor’s tools and equipment insurance
This policy helps pay for repair or replacement of saws, finish nailers, and other tools if they are lost, stolen, or damaged. It's a type of inland marine insurance.
BEST FOR
- Equipment less than five years old
- Mobile equipment
- Small tools
Professional liability insurance
A professional liability insurance policy covers legal costs when a carpenter is sued for a professional mistake or oversight. It's also called errors and omissions insurance (E&O).
BEST FOR
- Accusations of negligence
- Failure to finish a project on time
- Failure to follow a blueprint
Looking for different coverage? See more policies.
How much does insurance cost for carpenters?
A carpenter who works alone will pay less for insurance than a carpentry shop with several employees.
Factors that affect the cost of insurance include:
- Type of carpentry work, such as residential or commercial
- Business equipment and property
- Business size, location, and revenue
- Types of insurance purchased, such as builder's risk insurance
- Policy limits and deductibles
How do I get carpenter's insurance?
It’s easy to get insurance coverage and surety bonds as a carpenter if you have your business information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. Small business owners can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find the most affordable coverage that fits your carpentry shop, whether you work independently or hire employees.
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