Business Insurance for Carpenters

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Carpentry Services
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Nail guns, saws, and the other tools of your trade make carpentry a risky business. Protect your small business against injuries, lawsuits, and more with affordable insurance for carpenters.

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Choose the best rate and coverage

Insureon helps carpenters compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do carpenters need?

These policies provide coverage for the most common carpentry risks.

General liability insurance icon

General liability insurance

This policy covers basic carpentry risks, such as a client who trips over your toolbox and suffers an injury. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for carpentry businesses that have employees. It can cover medical costs for work-related injuries.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers third-party injuries and property damage caused by carpentry vehicles, as well as repairs to vehicles damaged by weather or vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This insurance policy for carpenters helps pay for repair or replacement of saws, finish nailers, and other tools if they are lost, stolen, or damaged.

  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), covers legal costs when a carpenter is sued for a professional mistake, such as failing to follow a blueprint.

  • Accusations of negligence
  • Failure to finish a project on time
  • Faulty construction
Builder’s risk insurance icon

Builder’s risk insurance

Builder’s risk insurance can pay for damage done to a structure still under construction. It can cover costs resulting from fire, vandalism, weather, or on-site tool or equipment theft.
  • Building construction
  • Building renovation
  • Worksite theft and vandalism
Looking for different coverage? See more policies.

Why do carpenters need insurance?

From artisan cabinetry to buildings, carpenters are craftsmen who create beautiful and functional structures. A lot of risk comes with this fast-growing profession. From tool theft and employee injuries to customer lawsuits, carpenter insurance can shield your business from the unexpected.

How much does insurance cost for carpenters?

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Several factors will have an impact on insurance costs, including:

  • Carpentry services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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