Carpenter Insurance
You can save up to 25% in discounts on business insurance.*
Choose your primary coverage to get started:
Carpenter insurance designed to protect your business
NEXT Insurance is a one-stop shop to help you get the carpentry business insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
- General liability
- Contractors’ E&O
- Commercial auto
- Workers’ compensation
- Tools and equipment
- Commercial property
General Liability
general liability can help you pay for:
Contractors’ E&O
professional liability can help you pay for:
Commercial Auto
commercial auto can help you pay for:
Workers’ Compensation
workers compensation can help you pay for:
Tools & Equipment
inland marine can help you pay for:
Commercial Property
commercial property can help you pay for:
What other carpenters say about NEXT
NEXT is the BEST
In need to commercial insurance, NEXT is your one stop shop!
gilbert f.
6/12/2023
Chris Reinitz Construction
Best insurance should be your next insurance for your small business
Chris R.
6/5/2023
Awesome
The best insurance company I've delt with by far.
Jared B.
4/21/2023
Great service
Very easy to use site
Theodore S.
4/20/2023
Quick service.
They were just there for me instantaneously.
MattHew H.
4/20/2023
New to NEXT Insurance
I am a new business owner whom just started, I am excited to work with Next, so far their website is so easy to move around and easy to understand.
Ofelia U.
4/19/2023
Pleased
I heard about NEXT via a instagram post and it piqued my interest. I was pleasantly surprised at ease of website and the value Would highly recommend
Jesus C.
4/18/2023
Next is the BEST
Best customer service ever! Everyone was quick to respond with everything I needed
christopher h.
4/18/2023
I’ve only had it 1 day
I’ve had it one day and received 5 emails. 🙄
Brian H.
4/17/2023
consolidating insurance
My sales provider help me thru the process. It was so easy.
kelly J.
4/17/2023
You can save up to 25% in discounts on insurance for carpenters
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
How much does carpenter insurance cost?
Insurance for woodworking businesses costs vary based on the risks that your business faces, such as:
- The types of projects you work on
- Where your projects are located
- The types of vehicles you use at work
Carpenters can save up to 25% in discounts, depending on the kind of work you do. More risky professions can expect to pay more.
Learn more about carpenter insurance costs and coverage.
Carpenter insurance requirements
Carpenters are often required to have insurance due to the risk of injury and property damage while working on residential and commercial projects. You might need insurance to:
- Get a carpenter license in your state. Only a few states require a specific carpentry license but many states require carpenters to hold general contractor licenses.
- Start work on a project. Clients might ask you to have active insurance — usually general liability or workers’ compensation — before you can work at their property.
- Drive for business purposes. Business-owned vehicles typically need commercial auto insurance and personal auto policies might not cover business driving.
- Hire employees or subcontractors. Most states require workers’ compensation.
- Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Frequently asked questions about business insurance
Here are some of the most common questions we get about carpenter insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
How does business insurance protect carpenters?
Damage to someone’s property
You accidentally damage electrical wiring while repairing a wall. The general liability coverage in your insurance package would help pay to repair the damage.Accidents that hurt someone
Your client trips over unfinished flooring and gets injured while you show them your progress. Your general liability insurance would also come into play here by helping to pay for medical costs and legal fees if you go to court.Professional mistakes
There’s a miscommunication about which type of wood to use and paneling has to be redone. E&O insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.Workplace injuries
You hurt your knees installing lower cabinets in all the units of a large apartment building. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.Injuries and damage involving your business vehicles
The suspension on your truck fails after a heavy load and it needs to be replaced. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.Theft or damage to your tools
Your table saw rusted after an automatic sprinkler system soaked it at a job site. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement costs.Damage to your own property
Your office sustains damage after a small fire breaks out next door. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.What do I need to get an insurance quote online?
How can I get a certificate of insurance?
How does the claims process work with NEXT Insurance?
If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account and require help from our support team, please visit our online help center.
Get customized insurance wherever you do business
Learn more about carpentry insurance options in the state where you work.
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