Comprehensive Coverage for Your Trade
Specialized insurance for carpentry contractors in Bergen County. From framing to finish work, we protect carpenters with comprehensive coverage options.
General Liability with carpentry classification
Workers Compensation for saw/tool injuries
Commercial Auto for work trucks
Tools & Equipment coverage essential
Installation floater for materials
Completed operations coverage
Cuts from power tools and equipment
Framing or load-bearing work issues
Ladder and scaffolding accidents
Sawdust fires or electrical tool issues
Damage to existing property during work
Warping, splitting, or wood failure
Property damage and injury protection
Expensive saws and woodworking tools
Cabinets and materials before install
Trucks, vans, and trailers
Tool injuries and back strain coverage
Workshop and inventory protection
Rough carpentry (framing) typically has higher rates due to structural risks and height exposure. Finish carpentry has lower rates but needs installation floater coverage for expensive materials like custom cabinets.
If you install items you've purchased (cabinets, trim, doors), installation floater protects these materials until installed. It's essential for finish carpenters as GL doesn't cover materials you own.
Basic GL includes minimal tool coverage. For valuable equipment like table saws, planers, or nail guns, you need inland marine coverage. This protects tools on job sites, in vehicles, or at your shop.
Proper dust collection, fire extinguishers, and hot work procedures reduce premiums. Some carriers offer discounts for shops with dust collection systems and proper electrical maintenance.
Protect your business with comprehensive insurance coverage