Insurance for Carpenters

Whether you are an independent contractor or run a large carpentry business, it’s critical to protect your company with Carpenter Insurance.

Join thousands of Contractors that are already protected!

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What is Carpenter Insurance?

Carpenter Insurance is an insurance policy package specially designed to protect carpenters against the specific risks and liabilities associated working on a job site.

Accidents can happen and could disrupt your business quicker than you can saw a piece of wood. We know what makes your carpentry business unique, leave it to us to find the best insurance policy.

Track Liability Insurance

What are the types of insurance for carpenters?

As a master woodsman, you’re not worried about getting splinters on your hands. But other work-related risks are beyond your control that could be worrisome, which is why having the proper types of insurance for your business is critical.

A comprehensive Carpenter Insurance package will typically include the following:

  • General Liability Insurance: covers costs associated with common carpenter liability risks, such as third-party injuries or property damage.
  • Tools and Equipment Insurance: covers the cost to repair or replace your tools and equipment due to damage from work accidents (includes vandalism) or loss (includes theft).
    • Business property valued under $1,500 is classified as tools, and anything over is considered equipment.
  • Pollution Liability Insurancecovers third-party bodily injury, property damage, and environmental damage due to both gradual and sudden pollution events that occur on a covered job site.
  • Commercial Auto Insurance: provides financial coverage for any business-owned vehicles along with employees who drive it from accidents, damages, and theft.
  • Commercial Property Insurance: covers physical loss or damage to your property (rented or owned) and its physical contents due to an external disaster, such as a fire, theft, or vandalism
Right policies for business insurance

Does a carpenter need insurance?

Regardless of the carpentry services provided (residential or commercial), there will still be risks of third-party injuries and property damage.

Insurance coverage will provide financial protection should you or your employees be named in a lawsuit.

We’ve insured more than 1,000 contractors. Some of our clients include:

Cheap Liability Insurance

How much is insurance for a carpenter?

The cost of insurance for a small carpentry business working on residential projects typically starts at around $450 for a General Liability Insurance policy with a $2M coverage limit.

There are several factors considered when determining a price for a Carpenter Insurance policy package, including:

  • Number of Employees
  • Project type (Commercial/Residential)
  • Years of Experience
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue

Getting insured is quick and easy!

Complete our 5-minute online application form for a free Carpenter Insurance quote.

Common scenarios where Carpenter Insurance is useful

Problem: While putting up the wooden structure on a new home build, a section accidentally collapsed, injuring the neighbor next door.

Outcome:  Your General Liability Insurance policy would cover the $100,000 lawsuit resulted from the work accident.

Problem: An abundance of wood dust collected in your workshop caused a fire that destroyed all your tools and equipment.

Outcome: Your Tools and Equipment Insurance policy would cover the $85,000 value of damaged equipment

Problem: The chemicals in the wood finish you used for your client’s kitchen cabinets emitted pollutants, making them sick.

Outcome: Your Pollution Liability Insurance policy covers the $100,000 lawsuit placed against you for bodily injuries.

What our customers friends say about us

Our customers ❤ us, and so will you! Learn why thousands of Canadian small businesses trust us with their insurance needs.

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Getting business insurance shouldn’t be complicated!

At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.