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Carpenters Insurance to Protect Your Business

As the owner of a carpentry business, your days are busy. You may spend most of your time going from one job site to another to make sure everything is going smoothly. Whether you primarily work with corporate clients or residential customers, there are many details you must keep track of for each project. Making sure your business is fully protected is part of being a solid business owner.

Here’s what carpenters insurance can do for you:

General Liability Insurance
General liability insurance is a crucial part of your carpenters insurance program. It provides your business protection against lawsuits and financial liabilities that result from accidents or other incidents. It also protects your business from financial hardships that arise if your company is found liable for accidents.

Workers’ Compensation
Workers’ compensation insurance helps pay the medical costs, lost wages, and physical rehabilitation expenses for your employees that result from a work-related injury or illness. It is always best to try and prevent accidents from occurring, but accidents are bound to happen.

Vehicle Carpenter Insurance
We provide insurance for all types of contractor vehicles including, but not limited to, the following:

  • Dump Truck
  • Pickup Truck
  • Truck
  • Van
  • Trailer

You work hard chipping away to build your business. From fitting out shops, converting lofts, building kitchens, or hanging doors, our carpenter insurance program will be there to help when you need it most.

Our Carpentry Contractors Program includes...

  • $5,000 Builders’ Risk/Installation Coverage …………………………………. $250 deductible
    Includes: Loss of Rental Income, Scaffolding and Construction Forms, Soft Costs, Testing, And Property in Transit and in Storage at Unscheduled Locations
  • $2,500 Contractors Portable Tools – $1,000 per tool …………………………………. no deductible
  • $2,500 Accounts Receivable …………………………………. $100 deductible
  • $2,500 Valuable Papers and Records …………………………………. $100 deductible
  • $2,500 Damage to Property Being Worked Upon and Property Borrowed …………………………………. $100 deductible

Included with Property Coverage...

  • Business Income and Extra Expense – Actual Loss Sustained ………………………………….  no waiting period
  • $2,500 Money and Securities …………………………………. $100 deductible
  • $2,500 Signs Attached to buildings …………………………………. $100 deductible
  • $2,500 Outdoor Property – Broad Causes of Loss
  • $10,000 Electronic Data Processing Equipment – Additional Causes of Loss
  • 5% Building Inflation Guard
  • 25% Temporary Business Personal Property Limit Increase

Optional Coverages

Employment Practices Liability Insurance (EPLI): Provides financial protection from a variety of employment related lawsuits. EPLI also pays for your defense costs. With EPLI coverage you also have exclusive access to a hotline and website with expert consultation services in the employment practices area.

Contractors Errors and Omissions Coverage : Provides claims-made coverage to eligible contractors for loss due to the insured’s error, omission or negligent act from a defect in material or in a product sold or installed by the insured. Consequential loss is also covered.

“You saved me $24,903! Great service since 1998! You work hard to save me money.”

Greg Fenner, Fenner Homes, Inc.Berrien Springs, MI