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.

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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.


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

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:


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

Wooden foundation of a new home

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.

Carpenter sawing wood

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

Wood kitchen cabinets

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.

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