Carpenters Insurance

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Why do I need carpenters insurance?

Whether you specialize in interior or exterior work, or do a bit of both, as a carpenter you see firsthand the hazards that come along with building and creating something. Dust flies, wood splinters, and glass shatters. Heavy-duty equipment and power tools are involved.

Even when you take the utmost care and precision with your carpentry work, accidents can happen—sometimes through no fault of your own.

Clients may ignore your warnings to stay out of a worksite, and sustain serious injuries when they trip and fall on your equipment. One of your newer crew members may lose their grip on a powertool and smash a client’s family heirloom. Another contractor involved in a remodel fails to give you all the pertinent information, and now you’re going to be late on the proposed completion date you promised your client.

Unhappy clients can sue you in any of these incidents, alleging claims of bodily injury, property damage, or professional negligence. The costs that can arise from these claims can be astronomical, even if they don’t end up in court. Associated medical costs, legal defense fees, and reimbursement for property damage can be too much for a small business owner to bear.

To protect your carpentry business and your reputation, you need Carpenters Insurance. Only General Liability carpenters insurance provides coverage for claims of bodily injury or property damage that may arise as a result of your work. Get the coverage you need, so you can keep building your carpentry business with confidence.

What does Carpenters Insurance cover?

The general liability carpenters insurance arranged by Thimble is designed to protect carpenters from liability in situations like the following:

Third-party, non-employee bodily injury

You’re installing new cabinets in your client’s recently renovated kitchen. Even though you warned the client to avoid the workspace until the work was completed, they walked through and stepped on a screw with their bare foot. Now, they want you to pay for their costly medical treatment.

Third-party property damage

You’re installing new curtains in a client’s home. As you drill into the wall, you lose your grip and the drill falls onto a glass side table, shattering both it and the expensive heirloom vase sitting on top of it. The client expects you to reimburse them for the full value of these items.

Defense costs

You recently installed a new deck in your client’s backyard. A few months later, the client is hosting a birthday party, and some of the wood floorboards snap under the weight of the guests. One guest breaks their ankle, and names you in the lawsuit. You need to hire an attorney to defend yourself against the claim.

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Quick thinking insurance for small businesses.

What does a BOP for Carpenters Insurance cover?

Business Owners Policy (BOP): Even when you measure twice and cut once, that one cut could lead to bodily injury or property damage. If you choose to purchase a BOP, you’ll receive both general liability insurance and commercial property insurance in one policy. If you’re struggling to carve out time and budget for insurance, a BOP will help you save both by combining the following types of coverage:

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General Liability Insurance

General liability insurance or “CGL” provides coverage against third-party claims for property damage, bodily injury, and personal and advertising injury. That means the everyday accidents that can happen on the job: slip and falls, flying tools, or spilling coffee on a customer’s laptop—you get the idea. CGL is one of the most basic types of insurance for small businesses.

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Commercial Property Insurance

Commercial property insurance covers costs as a result of direct physical loss or damage to a building or its contents in situations like a fire or windstorm. Even your accounts receivable can be protected by commercial property coverage.

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Business Interruption Insurance

Business interruption insurance covers loss of business income due to interruption of operations as a result of direct physical loss or damage; available as an additional coverage to BOP.

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Hired & non-owned auto coverage

Liability coverage for personal autos or rental vehicles that your business uses for work but doesn’t own; available as an additional coverage to BOP.

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How much does Carpenters Insurance cost?

The cost of your Carpenters Insurance Policy depends on a few factors. Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your carpentry business.

With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible carpenter insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.

To get an accurate idea of how much carpenter insurance would cost you and your business, get a quote from Thimble.

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What other types of insurance for carpenters do I need?

Every carpenter needs general liability insurance. This type of carpenters insurance provides protection for claims of bodily injury and property damage brought by third parties. In addition to general liability insurance, the following types of insurance for carpenters may also be useful:

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Workers’ Compensation

Workers’ compensation covers the costs related to your employees’ workplace injuries and illnesses, and it’s required in just about every state. Your team is your most valuable asset, so it’s crucial that you protect your business and team.

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Auto liability insurance

Commercial auto liability insurance protects you against the risks associated with vehicles your business owns and operates.

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Professional Liability Insurance

Professional liability insurance, also called errors & omissions (E&O) insurance, covers claims of financial loss as a result of providing—or failing to provide—professional services properly.

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Business Equipment Protection

Business Equipment Protection is a type of first-party insurance that covers business equipment that you own, rent or borrow and is used in connection with your business. (Other insurance companies for small businesses call it inland marine insurance, but we like to keep things clear and simple.)

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Carpenters Insurance FAQs

How quickly can I get a Certificate of Insurance?

Immediately after purchasing your policy. With Thimble, you can get your free carpenters insurance quote within 60 seconds. Simply select your zip code, profession, and desired coverage length. If everything looks good, you can purchase your policy with just a few more clicks of your mouse.

Your Certificate of Insurance will arrive in your inbox immediately afterwards. Download a copy to share with your potential clients, bid on projects, and secure more work for your business.

As easy as it is to sign up, it’s just as simple to make changes to your Carpenters Insurance policy. Log in to the Thimble App to add or modify your Additional Insureds and crew members, change the policy length, or adjust the coverage limit.

What are the Carpenters Insurance Policy limits?

When you sign up for carpenters insurance from Thimble, you can select from policy limits of $1 million or $2 million. Choose the appropriate one based on the needs of your carpentry business and the level of risk you would like to be insured against.

Are workplace injuries of my crew covered?

No, carpenter liability insurance only covers claims from third parties, like your carpentry clients and others who may be involved in the incident. It does not cover bodily injury claims from your workers or subcontractors. You’ll need a workers’ compensation policy to cover accidental injuries they sustain as a result of their work.

Does Thimble’s Carpenters Insurance cover damage to my equipment?

No, General Liability insurance for carpenters only provides coverage for third-party property damage, not for damage to your own carpentry equipment or property. If you have work vehicles, expensive tools, or other specialty equipment you’d like to secure coverage for, you’ll want to purchase a property or commercial auto insurance policy.

How do I get Carpenters Insurance with Thimble?

Signing up for carpenters insurance with Thimble only takes 60 seconds and a smartphone. Download our Thimble app to get started, or sign up online. Select your zip code, profession, coverage length, policy limits, and Additional Insureds (if any). We’ll give you an instant quote for your carpenters insurance policy. Click through to purchase your policy, and you’ll get your Certificate of Insurance within seconds. Get your carpenters insurance quote now.

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