When it comes to running a carpentry business, there is no such thing as being too careful. Carpentry insurance is an essential part of any carpentry business, and it is important for carpenters to know what they need to do in order to protect themselves. A typical carpentry business insurance covers a wide range of areas, from covering damage to property to covering any potential legal liabilities that may arise from a job. Here’s everything you need to know about carpentry insurance and why you should invest in it.

What is Carpentry Insurance?

Carpentry Insurance is a type of insurance designed specifically for carpenters and other professionals who work with wood and other materials. This type of insurance protects carpenters from the financial risks associated with their trade. It covers the costs of any damages that may occur to their projects or tools, as well as any liability costs that could arise if their work results in injury or damage to someone else’s property.

In addition to protecting carpenters from financial risks, carpentry Insurance also covers any legal costs associated with defending their work in the event of a lawsuit. This is important because carpenters often work with expensive materials, and if something goes wrong, they could potentially be held liable for damages.

Types Of Insurance Coverage For Carpenters

As a carpenter, it is important to make sure that you are properly insured in order to protect yourself and your business. There are several types of insurance that you should consider in order to ensure that you are covered in the event of an accident or any other form of financial loss. Here are some of them:

Carpenters General Liability Insurance

Carpenters can safeguard their businesses from potential financial losses with a commercial general liability policy. This type of insurance is designed to protect carpenters from any liability that may arise from negligence or any other form of accidental damage. This includes bodily injury, property damage, and personal and advertising injury claims. For instance, if a piece of furniture crafted by the carpenter falls and injures an individual, the general liability policy would cover the legal costs and any settlement or judgment up to the policy limit.

Building and Contents Insurance

Building and contents coverage is important for carpenters who own their own shop or workshop. This type of policy covers the physical building and its contents, such as tools and materials, from theft, damage, and other risks. Because of the abundance of sawdust and lumber in carpentry establishments, it is particularly important to have this type of coverage as it puts these facilities at a greater risk of fire damage. However, due to the heightened danger, it can be difficult to find a suitable rate. It’s recommended to seek the help of experienced commercial insurance brokers with knowledge of the wood-products manufacturing and carpentry industry to find the best policy.

Workers’ Compensation Insurance

Workers’ compensation coverage is a must for any carpenter, as it provides financial protection to both the carpenter and their employees in the event of an on-the-job injury. This type of insurance covers medical costs, lost wages, and death benefits in the event of a work-related injury. This coverage is typically required by law in order for the carpenter to be compliant with local regulations.

Installation Floater

If you are a carpenter who builds custom cabinets and other products that need to be installed onsite, an installation floater can provide financial protection. This type of policy will cover any of your products that are stored or transported to a job site before they are installed. If your work is damaged in a car accident or stolen from the job site, you can use this policy to help pay for the costs of repair or replacement.


Purchasing carpentry insurance is an important step for all carpenters and carpentry businesses alike. Knowing the basics of these policies, including the types of coverage available, the cost, and the typical exclusions, is essential for making an informed decision when selecting the right coverage for your business. 

Looking for the perfect carpentry insurance with the right coverage for your needs? Pascal Burke Insurance Brokerage Inc. is here to help. Coming from the construction industry ourselves, we understand the unique challenges faced by carpenters and carpentry businesses. We can help you find the right policy for your business needs and provide you with the peace of mind that comes from knowing you are covered. Contact us today to learn more about carpentry business insurance.