Carpenter Insurance

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

Choose your primary coverage to get started:

General Liability

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Workers' Compensation

Contractors' E&O

Tools & Equipment

Other Coverages

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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

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of accidents and basic risks. With general liability insurance for carpenters, 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

Coverage against business mistakes and claims of negligence

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

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

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

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

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

NEXT is the BEST

In need to commercial insurance, NEXT is your one stop shop!

gilbert f.

Carpenter

Chris Reinitz Construction

Best insurance should be your next insurance for your small business

Chris R.

Carpenter

Awesome

The best insurance company I've delt with by far.

Jared B.

Carpenter

Great service

Very easy to use site

Theodore S.

Carpenter

Quick service.

They were just there for me instantaneously.

MattHew H.

Carpenter

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.

Carpenter

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.

Carpenter

Next is the BEST

Best customer service ever! Everyone was quick to respond with everything I needed

christopher h.

Carpenter

consolidating insurance

My sales provider help me thru the process. It was so easy.

kelly J.

Carpenter

General Liability

Super simple process

Jordan S.

Carpenter

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

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.

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.

Frequently asked questions about business insurance

Here are some of the most common questions we get about carpenter insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect carpenters?

Our carpenter business insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

You accidentally damage electrical wiring while repairing a wall. The general liability coverage in your insurance package could help pay to repair the damage.**

Accidents that hurt someone

Your client trips over unfinished flooring and gets injured while you show them your progress. Your general liability insurance could also come into play here by helping to pay for medical costs and legal fees if you go to court.

Professional mistakes

There’s a miscommunication about which type of wood to use and paneling has to be redone. E&O insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You hurt your knees installing lower cabinets in all the units of a large apartment building. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.

Injuries and damage involving your business vehicles

The suspension on your truck fails after a heavy load and it needs to be replaced. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

Your table saw rusted after an automatic sprinkler system soaked it at a job site. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement costs.

Damage to your own property

Your office sustains damage after a small fire breaks out next door. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

Get customized insurance wherever you do business

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

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

* 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.

Carpenter Insurance

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

Carpenter insurance designed to protect your business

Woodshop Diaries for NEXT: business insurance for carpenters

General Liability

Contractors’ E&O

Commercial Auto

Workers’ Compensation

Tools & Equipment

Commercial Property

What other carpenters say about NEXT

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.

How much does carpenter insurance cost?

Carpenter insurance requirements

Frequently asked questions about business insurance

How does business insurance protect carpenters?

Damage to someone’s property

Accidents that hurt someone

Professional mistakes

Workplace injuries

Injuries and damage involving your business vehicles

Theft or damage to your tools

Damage to your own property

What do I need to get an insurance quote online?

How can I get a certificate of insurance (COI)?

How do you file an insurance claim with NEXT?

Get customized insurance wherever you do business

More professions that are covered by NEXT