Carpenter insurance that's made for your South Carolina business
We’re dedicated to helping you get the carpenter insurance coverage you need to protect your business from accidents, injuries, property damage and legal fees. Popular insurance bundles for carpenter business in South Carolina include:
- General liability
- Professional liability
- Workers’ compensation
- Tools & equipment
- Commercial property
See the coverage plans for Carpenter Insurance in South Carolina
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
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
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
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
Get the carpenter business insurance in South Carolina that's just the right fit
We offer customized carpenter insurance policies to small businesses and the self-employed in South Carolina. Oh, and you save up to 10% when you bundle.
General Liability
Protection for the injuries, accidents and damage you cause
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
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
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
Cost of Carpenter insurance in South Carolina
NEXT makes sure that a carpenter in South Carolina gets the right coverage for the most competitive rates. Policies are customized for you based on:
- Your work experience
- Your claims history
- How many vehicles you use for work
- How many employees you have
A carpenter business in South Carolina can pay as little as $22 each month for business insurance.†
Your carpenter business risks can change from time to time and that can impact your insurance needs. We’re here to make sure you always have the right coverage.
Carpenter insurance requirements in South Carolina
Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:
- Help pay for accidents that cause damage to property that isn’t yours.
- Defend yourself. If you’re accused of making a mistake that causes someone to lose money.
- Hire employees. Most states require workers’ compensation insurance if you have employees.
- Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
- Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Frequently asked questions about Carpenter business insurance
Here are some of the most common questions we get about Carpenter business 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.
Does Next Insurance cover my carpenter business for South Carolina?
Yes, Next Insurance cover carpenter for South Carolina.
Does NEXT Insurance cover my carpenter business in South Carolina for Tools & Equipment?
Yes, NEXT Insurance covers carpenter business in South Carolina for General Liability, Professional Liability, Commercial Auto, Workers' Compensation, Tools & Equipment, Commercial Property.
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.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.
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 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 insurance options in the states where you work.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
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
* 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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Number of businesses insured
Statistics as of November 2023