Carpenter Insurance

Carpenter Insurance

Carpenter Insurance

Learn what kind of coverage you need as a Carpenter. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Carpenter. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Carpenter. Ready for a quote? We'll help protect your practice quickly and simply.

Backed by 20+ years’ experience

Save up to 35% on premiums

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Why Does a Carpenter Need Insurance?

Carpentry work puts you in homes and job sites where one slip, one damaged surface, or one injury can turn into a costly claim. Insurance helps cover accidents, property damage, and lawsuits so a single job does not derail your business.

What Does Carpenter Insurance Cover?

It can cover third-party injuries, damage to a client’s property, tools and materials, jobsite theft, and certain claims tied to your completed work. Policies are built around how and where you work.

A client trips over your cords

While you are installing trim, a homeowner catches a foot on an extension cord and breaks a wrist. General liability can help with medical bills and legal costs if you are blamed.
While you are installing trim, a homeowner catches a foot on an extension cord and breaks a wrist. General liability can help with medical bills and legal costs if you are blamed.

You damage finished surfaces

A saw kicks back and gouges a new hardwood floor, or adhesive stains a custom cabinet face. Coverage can help pay for repairs or replacement when property damage happens on the job.
A saw kicks back and gouges a new hardwood floor, or adhesive stains a custom cabinet face. Coverage can help pay for repairs or replacement when property damage happens on the job.

Your tools disappear from the site

A locked gang box is pried open overnight and your nailers, lasers, and batteries are gone. A tools and equipment policy can help you replace essential gear fast.
A locked gang box is pried open overnight and your nailers, lasers, and batteries are gone. A tools and equipment policy can help you replace essential gear fast.

Carpenter Insurance Made Simple

Everything you need to know about protecting your business, from coverage basics to real-world scenarios.

What insurance do carpenters typically need in California?

Most carpentry businesses start with general liability, since it addresses the most common third-party claims that can happen in a home or on a job site. If you have employees, workers’ compensation is usually required in California. Many carpenters also add tools and equipment coverage, and commercial auto if trucks are used for business.

Does general liability cover faulty workmanship for carpenters?

Are my tools covered if they are stolen from my truck?

I’m a subcontractor. Will I need a certificate of insurance?

How much does carpenter insurance cost?

What information do you need to quote my carpentry business?

What insurance do carpenters typically need in California?

Most carpentry businesses start with general liability, since it addresses the most common third-party claims that can happen in a home or on a job site. If you have employees, workers’ compensation is usually required in California. Many carpenters also add tools and equipment coverage, and commercial auto if trucks are used for business.

Does general liability cover faulty workmanship for carpenters?

Are my tools covered if they are stolen from my truck?

I’m a subcontractor. Will I need a certificate of insurance?

How much does carpenter insurance cost?

What information do you need to quote my carpentry business?

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.