Carpentry
Understanding the Risks of Working With Wood and Tools
Carpentry involves constant interaction with power tools, heavy materials, and job site hazards. From framing new homes to installing custom cabinetry, carpenters face daily risks that require thoughtful insurance protection.
The physical nature of the work also means higher rates of workplace injuries. Cuts, falls, and repetitive stress injuries are common in the trade. Protecting both your business and your workers requires comprehensive coverage.
What Makes Carpentry Insurance Different?
Carpentry projects range from small repair jobs to major construction work. This variety means your insurance needs to be flexible enough to cover a cabinet installation today and a complete home addition tomorrow.
A finish carpenter was installing crown molding in a newly renovated living room. While setting up his ladder, he accidentally knocked over a family heirloom vase, shattering it beyond repair. The homeowner demanded compensation for the irreplaceable item.
Even careful craftsmen have accidents. Your insurance should protect you when they happen.
Key Coverages Every Carpenter Needs
Building a complete insurance program for your carpentry business means considering:
- General liability coverage for property damage and injuries you cause to others
- Tools and equipment protection covering your saws, nail guns, and specialty tools
- Workers' compensation if you have employees
- Commercial auto for trucks and trailers used to transport materials
- Completed operations coverage for liability after projects are finished
Are My Tools Really Covered?
Carpenters often have significant investments in their tools. Table saws, routers, specialty hand tools, and power equipment can easily total thousands in value. If these items are stolen from a job site or damaged in a vehicle accident, can you afford to replace them immediately?
Standard policies may have limits on tool coverage or exclusions for certain types of loss. Make sure your policy specifically addresses your equipment and provides enough coverage to get you back to work quickly after a loss.
Working as a Subcontractor vs. Prime Contractor
Your insurance requirements change based on how you structure your work. When you work as a subcontractor for a general contractor, you'll often need to meet their insurance requirements and provide certificates of insurance.
Taking on prime contractor work means greater responsibility and typically higher coverage needs. You become responsible for the entire project, including any subcontractors you hire. Make sure your coverage reflects your actual role on each project.