Carpenter Insurance

You can save up to 25% in discounts on carpentry insurance*

Choose your primary coverage to get started:

Featured On

Rated 4.7/5

(5056 reviews)

Carpentry insurance can help protect you from:

Injuries or accidents

Someone gets hurt on a job site or you accidentally damage a client’s home while working.**

Stolen or damaged tools

Your essential woodworking tools are stolen, lost or damaged at work or on the way to a job site.

Professional mistakes

A client claims you made a mistake in your work that resulted in financial loss or didn’t meet agreed standards.

Get carpenter liability insurance that’s fast, easy and affordable

ERGO NEXT specializes in small business insurance. Carpenter insurance can help protect you, your carpentry business and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in business insurance for carpenters

Carpentry insurance is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for carpenters

Protection for injuries to non-employees and damage to other people’s property

General liability insurance can provide financial protection if someone other than an employee gets hurt at your job site or if you’re held responsible for damaging property that doesn’t belong to you. This type of liability coverage might be required for a carpenter license in your state, and it’s common for clients to ask for proof of coverage.

general liability can help you pay for:

Medical expenses for bodily injury

Damage to property you don’t own

Legal fees and judgments

Employment practices liability

Contractor’s E&O insurance

To help protect you from errors and mistakes on a job

Contractor’s errors and omissions insurance can help cover costs if you’re accused of making workmanship errors. For example, if you are accused of installing the wrong cabinets for a client, contractors’ E&O could help cover expenses to fix the problem or defend your business.

professional liability can help you pay for:

Workmanship mistakes

Legal defense costs

Legal judgments

Commercial Auto insurance

Coverage for your business vehicle and driving

If you use a car, truck, van or trailer for work, personal auto insurance won’t usually protect you when driving for work. Commercial auto coverage could help cover accidents, damage or theft when you’re hauling lumber, tools or materials to a job. Most states require commercial auto insurance for business-owned vehicles to help pay for medical bills and property damage.

commercial auto can help you pay for:

Accidents or collisions while driving for work

Damage caused by a work car

truck

van or trailer

Repair and liability costs after a covered incident

Workers’ Compensation insurance for carpentry

For employee work-related injury and illness

Most states require workers’ comp insurance when you hire your first employee — and it can cover individual carpenter contractors, too. Workers’ comp insurance for carpenters can help protect your business and your crew if someone gets hurt on the job. This type of insurance coverage can cover medical care, lost wages and other costs while employees recover.

workers compensation can help you pay for:

Medical costs after a covered jobsite injury

Lost wages during recovery

Employer liability if you’re held responsible for an employee’s injury

Tool and Equipment insurance

Protection for your gear and equipment at a job site

Tools and equipment insurance, also called inland marine insurance, is an add-on to our general liability policy for carpenters. It can help protect essential gear against damage or theft — in your vehicle, in your workshop or on a job site.

inland marine can help you pay for:

Stolen or damaged tools

Accidental damage

Repair or replacement costs

Commercial Property insurance

For carpenters who want to protect their shop

Your workshop, tools and inventory are the backbone of your carpentry business. One fire, break-in or burst pipe could shut you down. Commercial property insurance for carpenters can help cover damage to your building, woodworking equipment and supplies, whether you own or rent your space. This kind of insurance policy can even help replace lost income if you have to close for repairs.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income after a covered event

Ongoing expenses while your shop is being repaired

ERGO NEXT Insurance reviews

NEXT is the BEST

In need to commercial insurance, NEXT is your one stop shop!

gilbert f.

Carpenter

Chris Reinitz Construction

Best insurance should be your next insurance for your small business

Chris R.

Carpenter

Awesome

The best insurance company I've delt with by far.

Jared B.

Carpenter

Great service

Very easy to use site

Theodore S.

Carpenter

Quick service.

They were just there for me instantaneously.

MattHew H.

Carpenter

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.

Carpenter

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.

Carpenter

Next is the BEST

Best customer service ever! Everyone was quick to respond with everything I needed

christopher h.

Carpenter

consolidating insurance

My sales provider help me thru the process. It was so easy.

kelly J.

Carpenter

General Liability

Super simple process

Jordan S.

Carpenter

Save up to 25% in discounts on carpentry insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$300,000

Tools & Equipment

Per occurrence

$3,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does carpenter insurance cost?

Premiums for carpenter liability insurance are more affordable than you think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

The type of work you do.
The types of clients you have.
Your business location.
Your number of employees.
Annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.

How can insurance for carpenters help your business?

You might need carpentry insurance to help your business:

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 for your active proof of insurance — like a certificate of insurance (COI) — before you can work at their property.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Protect against injuries. Get help covering medical bills and lost wages if you, your employees or someone else at your jobsite gets hurt.
Hire employees or subcontractors. Most states require workers’ comp insurance for small businesses with employees.
Drive for business purposes. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.