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Carpenter insurance in Missouri

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Carpenter insurance - NEXT

Smart insurance for carpenter business in Missouri

NEXT is 100% dedicated to small businesses and the self-employed. We customize insurance for carpenter business so you have the coverage you need to protect your business. Coverage packages often include:

  • General liability
  • Professional liability
  • Workers’ compensation
  • Tools & equipment
  • Commercial property
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See the coverage plans for a carpenter in Missouri

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

We specialize in providing the right type of carpenter insurance for small businesses in Missouri

NEXT is made for entrepreneurs, hustlers and carpenter business owners in Missouri who like to stay covered and save money.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance provides financial protection if an accident happens at your carpenter business, such as a customer injury or damages to someone’s property. It also provides coverage if you have to defend an accusation of libel or slander.
General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
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Professional Liability (e&o)

Professional Liability (e&o)

Bought by 80% of business owners like you
Professional liability insurance protects your carpenter business against civil lawsuits and negligence claims related to professional mistakes, whether you actually made them or a client just thinks you did. It can help to cover the cost of defending yourself or reimbursing a client.
Professional Liability (e&o) can help you pay for:
Legal defense costs
Legal judgments
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Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if your carpenter business has employees. Choose business owner’s coverage with your policy to protect yourself.
Workers' Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
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Tools & Equipment

Tools & Equipment

Protection for your gear and equipment
Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If your tools are lost, damaged or stolen, this coverage will help pay for replacements or repairs.nTools and equipment insurance is available as an add-on to our general liability insurance.
Tools & Equipment can help you pay for:
Protection for your gear and equipment
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Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property coverage helps protect almost all of the physical items you need to run your carpenter business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.
Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
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How much does business insurance cost

Cost of carpenter insurance in Missouri

NEXT makes sure that a carpenter in Missouri gets the right coverage for the most competitive rates. Policies are customized for you based on:

  • Your work experience
  • Your claims history
  • How many vehicles you use for work
  • How many employees you have

A carpenter business in Missouri can pay as little as $13 each month for business insurance.

Your carpenter business risks can change from time to time and that can impact your insurance needs. We’re here to make sure you always have the right coverage.

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How important is it for a carpenter in Missouri to have business insurance?

We know building a small business is an investment. To protect that investment, carpenter businesses in Missouri need insurance to avoid financial losses. Business insurance can protect your from:

  • Lawsuits. Without insurance, you might have to pay entirely out of pocket after an accident or mistake.
  • Damage to the physical items you need to do business.
  • Claims of work mistakes or negligence.
  • Injuries if an employee gets hurt on the job. Insurance can pay for medical expenses and help cover lost wages.

NEXT is dedicated to helping you find the affordable carpenter insurance coverage you need to stay protected, meet legal requirements and satisfy your customers.

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Everything you want to know about Insurance

Frequently asked questions about carpenter business insurance

Here are some of the most common questions we get about carpenter business 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.

Does NEXT Insurance offer carpenter business insurance in Missouri?
Yes, NEXT Insurance offers tailored carpenter business insurance in Missouri.
Does NEXT Insurance cover my carpenter business in Missouri for Tools & Equipment?
Yes, NEXT Insurance covers carpenter business in Missouri for General Liability, Professional Liability, Commercial Auto, Workers' Compensation, Tools & Equipment, Commercial Property.
How does business insurance protect carpenters?

Our carpenter business insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

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.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

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.

Certificate of Insurance

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