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What does carpenter insurance cover?

Carpenter insurance helps protect residential carpenters, commercial carpenters, self-employed carpenters, and other contractors from the cost of risks associated with providing carpentry and woodworking services. Typical risks include:

  • Third-party property damage 
  • Third-party bodily injury 
  • Product liability claims 
  • Damage to your tools and equipment 

BizInsure’s licensed agents help carpenters get coverage to protect their growing businesses. Compare quotes from top-rated insurers online or over the phone and get instant coverage today! 

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Commercial Carpenter Quotes
insurance for carpenters

Why do carpenters need insurance?

In some states, General Liability insurance may be required for carpenters needing a general contractor license. This coverage may also be required to work as a subcontractor and access worksites. 

Carpentry can be a risky business. Protecting yourself and your business is important. Insurance for carpenters and contractors can help you work with more confidence. It helps cover legal fees and compensation costs associated, even for false or meritless claims. Coverage is also available to protect your carpentry tools and equipment. 

Who needs Home Health Care insurance?

BizInsure understands the needs of home health care businesses and offers customized packages for a range of home care providers, including:

Home Health Aides

Hospice Carers

Home Health Care Providers

Personal Care Assistants

Skilled Nursing Care (RNs and CNAs)

Companion Care Providers

Home Health Agencies

Unskilled / ADL Providers

Nursing Homes

Occupational Therapists

What types of insurance do carpenters need?

With BizInsure, you can compare quotes and tailor coverage to your specific carpentry work. Most carpenters carry General Liability, covering injury or property damage caused during a job, and Tools & Equipment coverage for stolen or damaged tools.

General Liability

General Liability insurance

General Liability is the most common and essential type of business insurance. It can protect your business against bodily injury or property damage lawsuits from outside parties.

Coverage: Up to $1 million per occurrence / $3 million in the aggregate.

General Liability
Business Interruption insurance

Business Owner’s Policy (BOP)

A Business Owner’s Policy (BOP) is a convenient insurance package that combines General Liability with coverage for your business property, inventory, and owned buildings.

Business Owners Policy
PL insurance

Professional Liability insurance

Professional Liability insurance, also known as Errors & Omissions insurance, protects you against claims of negligence, misrepresentation, or mistake that result in financial loss to a third party.

We offer coverage up to $1 million per occurrence and $3 million in the aggregate.

Professional Liability nurses
Workers comp

Workers Compensation Insurance

Workers’ Compensation insurance protects your business and employees in the event of a work-related illness or injury. This includes costs for medical care, replacement of lost wages, funeral costs, and disability support.

Workers Comp insurance

Fast, simple, and convenient

Start a quote to see how much you can save and buy online in minutes.

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How much does carpenter liability insurance cost?

With BizInsure, you can compare quotes and tailor coverage to your specific carpentry work. Most carpenters carry General Liability, covering injury or property damage caused during a job, and Tools & Equipment coverage for stolen or damaged tools, adding Workers’ Compensation as they take on employees.

    Cost factors
    Carpenter insurance cost

    Factors influencing cost

    • Risks of the industry 
    • Coverage level amount
    • Annual turnover
    • Number of employees
    • Claims history

    The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

    Levels of coverage
    Get flexible coverage to match your needs

    Customized coverage levels to suit self-employed practitioners or agencies with complex needs.

    Professional Liability insurance

    Coverage levels to choose

    • Up to $1 million per occurrence
    • Up to $3 million in the aggregate

    General Liability insurance

    Coverage levels to choose

    • $1 million per occurrence
    • $3 million in the aggregate

    Unsure how much to choose? Think about:

    • Statutory Profession Requirements
    • Coverage required by contracts
    • Number of employees being covered
    • Your contract value
    • Worst case scenario claim size
    Cost factors
    Carpenter insurance cost

    Factors influencing cost

    • Risks of the industry 
    • Coverage level amount
    • Annual turnover
    • Number of employees
    • Claims history

    The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

    Levels of coverage

    Get flexible coverage to match your needs

    BizCover offers policy options to suit growing businesses, from sole traders to those with higher capacity.

    General Liability insurance

    Coverage levels to choose

    • $1 million per occurrence
    • $3 million in the aggregate

    Professional Liability insurance

    Coverage levels to choose

    • Up to $1 million per occurrence
    • Up to $3 million in the aggregate

    Unsure how much to choose? Think about:

    • Statutory professional requirements
    • Coverage required by contracts
    • Number of employees being covered
    • Your contract value
    • Worst case scenario claim size

    Hear from our customers

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    Very informative and supportive, made this journey easier and Andrea explained things I did not understand which made me feel value and my business valued

    Nomvula M.

    I have had this service since I started my business 3 years ago and I have recommended it to several other business owner for similar coverage because they are fair and great to work with.

    Loney Mae Cares LLC

    Good professional services. quick and simple easy steps for an insurance quote for my business. Thank BizInsure

    Glory I

    took 5 mins tops…easy and simple

    Shanda B.

    Paulette was extremely helpful and very efficient! This is my 10th year with Bizinsurance, keep coming back for the service đŸ¤—

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    Very easy company to work with

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    Cameron S.

    Easy to navigate what you need. Always notify ahead of renewal!

    Athena T.

    I have a painting contractor that needed special coverage. BizInsure helped me with a carrier with a competitive rate. I was able to bind my customer’s GL needs and now I am working on other personal & commercial insurance needs. Thanks to Andrew & his team.

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    Easy process and phone rep made it seamless!

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    It is great inc. company I recommend someone that’s in need of insurance for their business.

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    If you’re a looking for an affordable insurance policy, BizInsure is your go to.

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    William N.

    BizInsure’s service is top-notch! The entire process, from filling out the electronic form to making a payment, is incredibly efficient and takes only a few minutes.

    Furaha O.

    Andrea Magee was fantastic! She was knowledgable and patient with the many questions (and technical issues) I had to feel confident and comfortable choosing BizInsure, LLC.

    C P.

    I have used this company for many years for my business insurance needs and the process is easy and stress free. The support is outstanding

    Angela P.

    Very easy to renew, pay, review, etc. All at your fingertips.

    Rhonda O

    We have used them for our business for many years and have had no issues. They always answer any questions quickly. Great customer service.

    Ellen C.

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