Carpenters Insurance

small business owner protected by carpenters insurance

Do Your Best Work With Carpenter Insurance You Can Trust

Your skill and passion have helped you build a business you can be proud of – but what keeps it protected? From working on repairs to constructing homes, you face some serious risks on the job. Help protect your business with carpentry insurance that covers the specific issues you face. 
 
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small business owner protected by carpenters insurance
small business owner protected by carpentry liability insurance

Why Do You Need Carpenters Liability Insurance?

You know the risks that come with being a carpenter. From working on dangerous jobsites to handling expensive equipment, having the right carpentry business insurance can make a difference when accidents or issues happen.
 
For example, if your tools are stolen or a customer decides to sue you, business insurance can help protect your carpentry business.
small business owner knows carpentry liability insurance

Who Needs Carpentry Liability Insurance?

  • Custom woodworking businesses
  • Home renovation contractors
  • Deck builders
  • Furniture repair businesses
small business owner protected by insurance for carpenters

How Much Does Carpenters Insurance Cost?

The cost of carpenters insurance varies, but here are the average amounts small business insurance customers of The Hartford pay for common types of coverage:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
It’s important to remember insurance costs vary, because every business is different and has unique needs. Insurers also use different factors to determine rates, which means you may pay a different amount than the average.
 
Get a quote to find out how much carpenter insurance will cost your business.
business owner protected by carpentry insurance

Here for You, 24/7

Get proof of insurance when you need it. With 24/7 access, you can get your certificate on your terms.

Covering Your Operations

Running a carpentry business can come with challenges. From employee lawsuits to devastating damages, small business owners could face costs that are impossible to pay out of pocket. That’s why having the right coverage is so important.
$665 million was awarded in workplace discrimination lawsuits in 2023.4
Employment Practices Liability Insurance for carpenters

Employment Practices Liability Insurance

“I let an employee go who was constantly costing me money, because I had to redo so much of his work. I did everything by the book, but he felt he was wrongfully let go. I found out when I got served with a lawsuit.”
 
Employment practices liability insurance helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. This coverage is included as part of our BOP.
business income insurance for carpenters

Business Income Insurance

“When a hurricane hit, the roof of my workshop almost came off. There was so much damage, I couldn’t operate for weeks while repairs were being made.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business is unable to operate due to covered property loss.

Taking Care of Your Team

Having workers to lend a hand is crucial for most carpenters. And taking care of those workers is important if you want to hire good talent. From workplace accidents to car accidents on the road, you want to ensure your employees are protected on the job so they can stay healthy and help keep your business running successfully. 
More than 100,000 injury cases in the construction industry resulted in missed days of work.5
workers' compensation insurance for carpenters

Workers’ Compensation Insurance

“One of my guys was putting up sheetrock when he lost his footing. The sheetrock fell on his head, and he ended up with a concussion.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages. And with The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto insurance for carpenters

Commercial Auto Coverage Insurance

“One of my guys was driving the work van to a jobsite when he accidentally rear-ended the car in front of him.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business vehicle for work.

Protecting Your Property

From replacing stolen equipment to covering lost income, carpenters insurance helps ensure your projects stay on track – even when unexpected theft or damage occurs.
Construction site theft leads to an estimated yearly loss of more than $1 billion in tools and equipment.6
Contractors Equipment Insurance for carpenters

Contractors Equipment Insurance

“We showed up to the jobsite only to realize that our table saw had been stolen overnight.”
 
Contractors equipment insurance is designed to cover damaged or missing contracting equipment.
Commercial Property Insurance for carpenters

Commercial Property Insurance

“A fire broke out in our storage building. Thankfully, no one was hurt, but we lost some expensive equipment, lumber and even custom pieces we were working on for a big project.”
 
Commercial property insurance helps protect your business' equipment, furniture and personal property from loss or damage caused by events like storms, fires or vandalism.

Carpenters Insurance Created for You

We understand the risks and challenges you face as a carpentry business owner. That’s why our coverage is designed to fit your specific needs. Whether you're ready to get carpentry liability insurance today or need help navigating coverage options, we're here to support you every step of the way. 
 
Discover related professions we insure:
 

Frequently Asked Questions About Liability Insurance for Carpenters

Carpenters insurance helps protect you from claims of bodily injury, illness or property damage against your business. Whether a contractor slips on-site, an employee accidentally damages someone’s property or you're sued by a customer, your insurance can help cover medical expenses, repairs and potential legal costs. You can also get additional coverages to help provide protection for tools, vehicles and other equipment critical to running your carpentry business.
Carpenters insurance helps protect your business from claims that can come up during normal operations. It helps cover expenses related to many types of claims, such as property damage or employee lawsuits. Without coverage, you may have to pay out of pocket for costly damages or an injured carpenter’s health and welfare fund. This could be financially devastating to your business. Plus, some states require certain types of business insurance, so it’s important to stay protected and compliant.
In just a few minutes, you can get a free quote online for carpenters insurance. Our process is fast and easy.
small business owner protected by carpenters health and welfare fund

Learn More About Carpenters Insurance

Get the coverage you need to help protect your livelihood and secure your business.
 
Quote Today
 
 
Last Updated: April 8, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
4 U.S. Equal Employment Opportunity Commission, “2023 Annual Performance Report”
 
5 U.S. Bureau of Labor Statistics, “Numbers of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2022”
 
6 Construction Dive, “Guarding Your Assets: The Rising Stakes of Construction Site Security”
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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