Carpenter Insurance

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

Choose your primary coverage to get started:

General Liability Insurance

General Liability

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Workers' Compensation Insurance

Workers' Compensation

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Business Owner’s Policy

Business Owner's Policy

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Commercial Auto Insurance

Commercial Auto

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More Insurance Coverage

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Carpenter insurance - NEXT

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

Woodshop Diaries for NEXT: business insurance for carpenters

We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different policies available for affordable carpenter insurance and save up to 10% when you bundle two or more of our policies.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers a wide range of accidents and basic risks. With carpenter liability insurance, you’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. General liability might be required for a carpenter license in your state, and it’s common for clients to ask for proof of coverage. General liability includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Contractors’ E&O

Contractors’ E&O

Bought by 80% of business owners like you
Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of installing the wrong cabinets in a home, your policy could help cover expenses to fix the problem or defend your business.

professional liability can help you pay for:

Professional negligence (actual or alleged
Legal defense costs
Legal judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage for carpenter business activities, such as driving a load of wood to a job site.

commercial auto can help you pay for:

Medical expenses
Collision repairs
Rental reimbursement
Workers’ Compensation

Workers’ Compensation

For business owners who hire employees
Workers’ compensation insurance can help you and your employees after a workplace accident. Most states require it as soon as you hire your first employee, and you might need coverage before you can get your carpentry license. It can help pay for medical bills and lost wages after an accident.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
Tools & Equipment

Tools & Equipment

Protection for your gear and equipment
Tools and equipment coverage makes sure your carpentry gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.

inland marine can help you pay for:

Equipment owned by you
Employee tools and clothing
Borrowed equipment
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your carpentry business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses

What other carpenters say about NEXT

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

General Liability

Super simple process

Jordan S.

4/16/2023

Lawn service

Very quick in everything they do, the next morning after i signed up everything went through normally 24 hrs or less so far so good.

Louis T.

4/16/2023

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.

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
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does business insurance cost

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.

Everything you want to know about Insurance

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.

Get customized insurance wherever you do business

Learn more about carpentry insurance options in the state where you work.

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More professions that are covered by NEXT

Appliance Technician, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plumber, Roofing, Siding Installation Contractor, Solar Contractor, Snow Plowing, Welding, Tile, Stone and Flooring Installer, Paperhanger, Fence Installation Contractor, Lawn Care, Landscaping
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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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© 2023 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.