Carpenters insurance · Nationwide
Coverage built for framing, finish work, and the tools in between
Table saws, nail guns, and structural work at height carry real risk long before a job is signed off. We connect you with specialists who understand carpentry-specific exposure, from rough framing to custom cabinetry.
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Coverage carpenters carry
Carpentry spans structural framing to finish trim, and each end carries different risk. A framing error can surface as a structural claim months later, while a scratched custom cabinet is a same-day dispute. The right policy is built around your mix of work, not a generic contractor template.
General Liability
Third-party injury and property damage, including completed operations for framing that fails later.
Completed operations is the key piece for carpenters: framing or trim that fails after you leave is still your claim. Most GCs require $1M / $2M limits.
Workers' Compensation
Medical bills and lost wages when a crew member is hurt on a saw or falls from a roof truss.
Required in nearly every state once a helper is on payroll. Rates follow class code. Framing crews pay more than finish carpenters, so classify payroll correctly.
Commercial Auto
Trucks and trailers hauling lumber and tools: liability, collision, and hired or non-owned autos.
Personal auto excludes business use. Any truck or trailer hauling lumber and tools needs a commercial policy, plus hired and non-owned coverage for employees' vehicles.
Tools & Equipment
Saws, nailers, and compressors stolen from the trailer or damaged on site, where property policies stop.
Also called inland marine. Covers gear wherever it goes, truck, job site, or storage unit, with replacement value on scheduled items and a blanket limit for small tools.
Commercial Umbrella
Extra limits above general liability and auto when a GC contract demands $2M or more.
Responds when a claim exceeds your GL or auto limits. Commercial contracts often ask for $2M–$5M total, which an umbrella reaches most cheaply.
Commercial Property
Your shop, machinery, and stored materials against fire, theft, and storm damage.
Only needed if you own or lease a shop. Covers the building, stationary machinery, and stored materials, plus lost income if a fire shuts you down.
FAQFrequently Asked Questions
Yes, through completed-operations coverage under general liability: it responds to structural or framing errors that surface after the job is signed off, not just accidents that happen while you're on site.
General liability covers third-party property damage, including a scratched or gouged custom piece you're installing in a client's home.
Not necessarily separate policies, but your specialist should know the full mix. Framing carries more fall and structural exposure, while finish work carries more property-damage risk, and your limits should reflect both.
Inland marine (contractors' equipment coverage) covers saws, nailers, and other tools away from your shop, at a job site, in transit, or in storage, which standard property policies typically exclude.