The carpentry insurance specialists
General liability, tools & equipment, and installation floater coverage — built around framing, finish work, custom builds, and everything a blade touches. Solo carpenters, finish crews, and full carpentry outfits alike.
No spam. Same-day coverage is typically available, and your certificate of insurance is issued instantly after you bind.
Get your free quote
Step 1 of 4How it works
Framing, trim, cabinetry, decks, or a mix of it all — a couple minutes of questions built around your actual jobs.
Licensed agents build your quote and shop it across multiple carriers — typically back the same business day.*
Review the coverage and enroll whenever it works for you — no waiting around, no site visit required.
Once you bind, your certificate of insurance is issued instantly — ready for the GC or client before your crew is back on site.
*Quote turnaround is typical during normal business hours and may vary. Coverage, same-day availability, and eligibility are subject to carrier underwriting and approval.
"You spend the afternoon shimming a header until it's dead level and cutting a seam so tight nobody will ever find it. Your coverage should be built to that same standard — no gaps, no guesswork."
Coverages
Plain-English protection, matched to your real exposures.
The foundation. Responds to third-party bodily injury and property damage — a client's flooring is scratched during a built-in install, materials staged in a driveway cause a trip-and-fall, or you accidentally damage a wall or fixture.
Inland marine coverage protects your table saws, miter saws, nail guns, routers, and compressors — whether on the job site, locked in the truck, or in transit. Standard property policies don't follow tools that travel.
Purpose-built for carpentry: covers custom cabinetry, millwork, and building materials from the shop or supplier to the job site and until installation is complete — before they become part of the structure.
The truck or trailer hauling lumber, saws, and crew to the job. Personal auto policies often exclude business use — we'll help you review whether you need commercial coverage.
Required in most states once you have employees. Framing and structural work carries real physical risk — this covers medical costs and lost wages if a crew member is hurt on the job.
Blanket additional insured and waiver of subrogation endorsements — the coverage language most GCs, property managers, and commercial clients require before you start work.
Coverage descriptions are general summaries. Actual coverage is governed by the policy issued and is subject to underwriting, terms, and carrier availability.
Who we insure
Custom builds, remodels, and trim work in occupied homes and residential developments.
Framing crews, tenant build-outs, and commercial finish work on GC-managed job sites.
Licensed contractors running crews, subcontractors, and multiple jobs at once.
Detail-focused pros who need GL fast — often for a specific job or client requirement.
Custom cabinetry, built-ins, and specialty millwork shops and installers.
Just starting out? New ventures welcome. Get covered from day one. →
Wondering about price?
Your premium depends on revenue, the type of carpentry you do, number of employees or subs, tools and equipment value, and the states you operate in. See what drives the number — and what you'd likely pay.
See the full cost breakdown →FAQ
Tell us about your business and our licensed agents will build your custom quote — typically back the same business day. Review your quote, enroll yourself, and your COI is issued instantly after you bind.
The specialist insurance program for carpenters.