- What is it?
Carpenter Insurance offers specialized coverage for those working in carpentry. Not insuring can have serious consequences if something happens, and this tends to be the best insurance for carpenters.
- Who’s it for?
Carpenters insurance can be for residential carpenters, commercial carpenters, framers, finish carpenters, and specialists. For example, coopers, wooden boatbuilders, theater set designers and luthiers might all get this type of policy too.
- What is offered?
- Commercial General Liability Coverage
- Errors and Omissions Coverage
- Commercial Umbrella Coverage
Carpenter Insurance in California
What is carpenter insurance?
Carpentry work comes with plenty of risks. Equipment can be stolen, trucks can get into car accidents, workers can be injured on the job site, and plenty of other problems can go wrong. For carpenters in California, carpenter insurance may help safeguard against many such risks.
Carpenter Insurance offers specialized coverage for those working in carpentry. Not insuring can have serious consequences if something happens, and this tends to be the best insurance for carpenters.
Who in California requires carpenters insurance?
Most carpentry professionals in California should have insurance. Carpenters insurance can be for residential carpenters, commercial carpenters, framers, finish carpenters, and specialists. For example, coopers, wooden boatbuilders, theater set designers and luthiers might all get this type of policy too.
Woodworkers might also find that this insurance provides the coverages they need, or they may want a slightly different business owners policy (BOP). An insurance agent specializing in carpenters policies can help furniture makers and cabinet makers decide whether this is the right choice for them.
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What types of coverage can carpenters policies offer?
Carpenters policies are often customizable, so the exact coverages within a policy can be tailored for a specific carpenter’s needs. Most policies let carpenters choose from coverages such as the following:
- Commercial General Liability Coverage: Usually covers common accidents leading to third-party property damage or injury.
- Errors and Omissions Coverage: Usually covers incorrect advice provided by carpenters; shortened E&O insurance.
- Commercial Umbrella Coverage: Usually adds coverage for high-cost liability lawsuits that exceed another liability protection’s limit.
- Commercial Building Coverage: Usually covers workshops, storage facilities and other buildings that a carpentry business owns.
- Commercial Personal Property Coverage: Usually covers a carpenter’s tools and equipment, as well as supplies, wile at the carpenter’s facility.
- Inland Marine Coverage: Usually covers a carpenter’s tools, equipment and supplies as they’re moved between a facility and job sites.
- Builders Risk Coverage: Usually covers carpentry tools, equipment and supplies when they’re at job sites.
- Business Interruption Coverage: Usually covers longer losses in revenue resulting from certain disasters and claims.
- Commercial Auto Coverage: Usually required for business-owned vans and trucks that are driven for work.
Do contractors using their personal vehicles need commercial auto insurance?
Carpenters who use their personal vans or trucks for work usually need some type of commercial auto coverage. Adequate commercial coverage might be added onto a personal policy, if the vehicle is registered as a personal vehicle.
Any vans or trucks that are owned by a carpentry business and commercially registered normally require a full commercial auto insurance policy. A commercial policy is also likely needed if a personal policy doesn’t offer an endorsement for business driving.
A knowledgeable insurance agent can help carpenters find auto coverage that properly covers their vehicle.
Should general contractors get carpenters insurance?
Carpenters insurance is primarily for professionals specializing in carpentry, and not so much in other work. The coverages included in a carpenters policy might not provide all of the protections that a general contractor requires. A contractor insurance policy is generally a better type of policy for general contractors.
Should subcontracting carpenters get their own insurance policy?
Subcontractors might be covered under their hiring general contractor’s insurance policy, but general contractor policies don’t necessarily provide subcontractors with coverage.
An insurance agent specializing in contractors insurance can help check whether a general contractor’s policy provides coverage in a subcontracting situation. They can then help a subcontractor find their own policy if it’s needed.
How much is a carpenter's policy?
Insurance companies consider many factors when setting rates for carpenters insurance policies. For instance, a carpenters type of work, equipment, staff (if any) and location can all impact cost.
Carpenters can find out how much they’ll have to pay for insurance by comparing policy quotes with an independent agent. Independent agents are able to check quotes from several different insurance companies.
Where can California carpenters get carpenter insurance?
If you’re in California and need help finding carpenter insurance, contact the independent insurance agents at Truck Writer Insurance Services. We’ll make sure to find you a policy that’ll provide good protection.
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