Carpenter Insurance Designed For Small Business Owners
Does carpenter insurance cover tool theft or damage?
Flexible Insurance Coverage Built for Carpentry Professionals
As a carpenter, your work is hands-on, detail-driven, and essential, and so is your insurance. At Gild, we offer carpenter insurance made for small businesses and skilled professionals who need protection that matches the reality of the job. Whether you specialize in framing, finish work, or custom builds, we help cover the tools, projects, and liabilities that come with running a carpentry business. With flexible options and fast online access, getting the right coverage is simple. Gild gives you insurance that works as hard as you do.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Carpenters Insurance That’s Right For Your Business
Every build, renovation, and site visit comes with risk. That’s why Gild Insurance’s carpenters insurance is designed to protect your craft, your tools, and your business. Our affordable and flexible policies help cover liability claims, property damage, equipment loss, and job-site incidents. Whether you focus on residential projects or commercial work, we offer expert-backed coverage that supports your carpentry business today and grows with you. With Gild, dependable protection is always part of the plan.
- General Liability Insurance – Covers property damage and third-party injuries.
- Business Owners Policy– General liability and business property coverage all in one.
- Tools & Equipment Coverage – Protects essential gear from theft or damage.
- Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
Understanding Carpenter Insurance Cost
Every build, repair, and custom project comes with risk. That’s why Gild Insurance’s carpenters insurance coverages are designed to protect your craftsmanship, your tools, and your reputation.
The carpenters insurance cost depends on your business size, payroll, claims history, and the policies you choose.
-
-
General Liability Insurance – $250 a year
-
Business Owners Policy – $350 a year
-
Tools and Equipment – $100 a year
-
Workers Compensation – $500 a year
-
The best way to find your carpenters insurance cost is to get a free, online quote in minutes!
Join the Gild Contractor Network
The Gild Contractor Network connects qualified professionals with homeowners and businesses looking for reliable, insured help. Joining the network is free and open to qualified contractors who want to grow their visibility, strengthen their credibility, and reach more potential clients. Whether you already have coverage or are exploring business insurance, Gild helps you connect with the right customers and showcase your professionalism.
Get Best Carpenter Insurance Today!
At Gild, our small business agents build coverage packages that match the way you work, not a one-size-fits-all plan. We provide the protection you need so you can focus on quality work while we keep your business secure and ready for the next job.
Frequently Asked Questions
Yes! Tools & Equipment coverage (Inland Marine) specifically handles loss or damage risks:
- Theft from a parked van or jobsite.
- Damage during transport or use onsite.
- Accidental drop damage or weather-related losses.
If tools are your livelihood, insuring them means one unexpected incident won’t stop all your work.
How much does carpenter insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Is insurance required for self-employed carpenters?
It depends on your local regulations and clients:
- Legal mandates vary by state, but many require licensing and insurance for contractors.
- Clients, general contractors, or institutions may require proof of liability or workers’ comp before hiring.
- Even if not legally required, major project contracts or subcontract work often demand coverage.
Having insurance signals professionalism and opens doors to more opportunities.
What type of insurance does a carpenter need?
Carpenters should consider these essential coverages:
- General Liability Insurance: Covers third‑party bodily injury or property damage—such as a client tripping over equipment or unintended damage from drilling.
- Workers’ Compensation Insurance: Required in almost every state if you employ anyone; covers workplace injuries like falls, cuts, or muscle strains.
- Tools & Equipment Coverage (Inland Marine): Protects your valuable tools and materials whether onsite or in transit.
- Commercial Auto Insurance: Needed if you use a vehicle to transport tools and job site gear.
- Professional Liability (E & O): Protects against claims for project defects, installation errors, or unsatisfactory work.
Without these core protections, even minor incidents can result in major financial loss.
Let's Get The Right Insurance For Your Business!
Get Covered
