As a carpenter, you take pride in building quality work but every project comes with its own set of risks. From working on client properties to using specialized tools and materials, one accident could put your business, employees, or reputation in jeopardy. That’s why carpenter insurance is essential.
Your work is hands-on, precise, and sometimes unpredictable. Insurance ensures that a slip, a damaged property, or an injured employee doesn’t stop your business:
General liability: Covers injuries to clients or damage to their property while on the job.
Workers’ compensation: Protects employees if they get hurt while using tools, materials, or performing physical tasks.
Completed operations: Provides coverage if a past project causes injury or property damage later.
Not all carpenters have the same risks. Your policy should reflect the services you provide:
Cabinetmakers
Finish Carpenters
Framers
Joisters
Roofers
Rough Carpenters
Ship Carpenters
Trim Carpenters
A residential remodeler has different exposures than a structural carpenter installing framework your coverage should match your trade.
Your equipment and materials are essential to every job. Insurance can help replace or repair items if they’re damaged, stolen, or lost:
Business auto: Covers accidents with company vehicles traveling to and from job sites.
Inland marine: Protects tools, equipment, and materials in transit.
Crime insurance: Offers protection if an employee misappropriates property.
Cyber liability: Safeguards sensitive client information stored digitally.
Even with the best craftsmanship, unexpected events happen. Carpenter insurance helps you focus on your work while protecting your livelihood, your team, and your reputation.
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