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Carpenter Liability Insurance Cost and Coverage

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How Much Is Insurance for a Carpenter?

If you’re curious as to how much insurance costs for carpenters, you’re in the right place. Individual carpenters will have different insurance costs, based on where you’re located, what exactly you do, the size of your business, whether or not you have employees, and other factors. We used advanced technology to give you a price based on your specific needs.

When it comes to carpenter liability insurance costs, it’s important to look at the full picture, and remember that in addition to your premium costs, you should consider extra fees, deductibles, and more. Here at Next Insurance, we offer low deductibles, free monthly payments and absolutely no extra fees for items like proof of insurance. In most cases, you’ll also have a choice of different levels of coverage, so you can decide what suits you best.

Below, you’ll find some examples of what carpenter liability insurance costs our customers. Wondering what you’d pay for your own policy? You can easily get a quote for your business anytime, instantly and online, in just a few minutes.

How Much is General Liability Insurance for a Carpenter?

Carpenters can be faced with certain types of expenses that general liability insurance can help defend against.

These could include physical injuries to people other than you or your employees, such as someone tripping on your tools while you’re working. They could also include damage to property, and claims that you damaged someone’s reputation, whether through something you said or something you wrote.

Carpentry general liability insurance is the most basic sort of insurance, covering your business against accusations of damage that might be far out of your control. That’s why it’s so critical; it gives you the confidence to work on your business, knowing you’re covered.

Most of our customers pay: $380-$673 annually, or between $-$50 per month
Per occurrence limit: $300,000-$1 million, depending on your policy
Aggregate policy limit: $300,000-$2 million, depending on your policy
Deductible: $0

How Much is Carpenter Professional Liability/Errors and Omissions Insurance?

Professional liability insurance for carpenters is related to the projects you do and your role on those sites. It’s a much more specific type of coverage than general liability, including protecting you in cases where there are accusations that you may not have done your job properly, and that your work needs to be redone, or fixed. Carpenter professional liability insurance claims are usually much lower than general liability claims, which is why the coverage we offer has lower limits.

Professional liability insurance is part of the Pro and Pro Plus plans we offer. It’s not available as a separate policy, but it is included within those plans.

Most of our customers pay: An additional 4-8% for this coverage, which is reflected in the total policy cost
Per occurrence limit: $0-$20,000, depending on your policy
Aggregate policy limit: $0-$50,000, depending on your policy
Deductible: $500

Choose the Plan that’s Right for You

starting from $29 per month


General Liability

$300,000 aggregate limit
$0 deductible

Professional Liability

Not included

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General Liability

$1,000,000 aggregate limit
$0 deductible

Professional Liability

$20,000 aggregate limit
$500 deductible

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Pro Plus

General Liability

$2,000,000 aggregate limit
$0 deductible

Professional Liability

$50,000 aggregate limit
$500 deductible

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What’s Covered by Carpenter Insurance?

Bodily injury

Bodily injury

A client trips over your equipment and sprains her ankle while coming over to discuss the project with you.
Advertising harm

Advertising harm

You shared photos of a client’s home, before and after your work. Your client is unhappy with your showing pictures of his home, and sues you.
Libel, slander and defamation

Libel, slander and defamation

One of your employees complained about a client on social media; the customer saw the post, didn’t think it was funny, and decided to sue you.
Property damage

Property damage

On your way through your customer’s house to build a deck, you scratched their hardwood floors, which now have to be refinished.
Medical payments

Medical payments

A client breaks their foot after tripping over a tool you left at the worksite and sues you for the associated medical costs.
Court and legal fees

Court and legal fees

The client whose floors you damaged decides to sue you for the damage you caused, and you need an attorney to defend you in the lawsuit that results.

Residential construction

Interior carpentry, frame and finish carpentry related to repair and remodeling
Construction of private garages
Floor sanding or scraping of wood floors
Interior carpentry such as installation of doors, windows, floors or cabinets
Installation of interior non-load bearing wall studs
Laying parquet flooring
Suspended acoustical ceiling installation

Commercial and industrial construction

Wooden bleacher or grandstand erection
Installation of wooden playground equipment
Construction of wooden bridges
Installation of wooden guard railings

Carpenter Claims We've Covered:

Insured and two employees were working on the claimant's bathroom. He was installing a vanity in the bathroom, into which hot and cold water pipes should feed. The cabinet he was working on touched one of the pipes, and because cpvc pipes are very brittle, it broke, which the insured did not know until he heard water in the basement. At that point, he descended to find there was significant water flooding the basement. He ran to a store and got equipment to extract water from the carpet, but the homeowner decided he didn't want them to go further with that, and asked them to call and file instead. There is some water still in the basement, causing damage to carpet and furniture, and because it went into the sealant, the homeowner is concerned water may have gone into walls/insulation as well.
Insured was a subcontractor on a job. There is damage to the siding that he was installing and damage to gutters as well. Siding is cracked, and gutter downspouts were damaged with the hangers.
Claim scenarios are shown for illustrative purposes only. Coverage is dependent on policy terms and conditions and the actual facts and circumstances giving rise to a claim.

What’s Not Covered by This Policy?

Different types of work, including:

Installation of flooring that is ceramic, tile, or stone
Specialty contractor work whose only responsibility is the interior or finished carpentry work
Operations whose primary goal is to manufacture cabinets, even if they offer an installation service
This is a brief summary of your policy and does not supersede the policy documents. If you want full details, please contact us.

Why Choose Next Insurance for Your Carpenters Liability Insurance?

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