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General Liability (GL)
Essential Coverages for your carpentry business.
Coverage against claims from bodily injury, property damage and personal injury
Coverage for products/completed operations
General Liability + Property (bundle them with a BOP)
When you also have equipment or operate from an office.
All Basic plan benefits and:
Damage to third party property
Business personal property
Lost business income
BOP + Workers Compensation*
Get protected against employment-related issues.
All Standard plan benefits and:
Coverage for work-related accidents and disease and subsequent:
Ongoing medical care (such as rehab)
Missed wages during recovery
*plus Workers Compensation
Why Choose Us?
Our Insurance Specialists are here to help you find the right coverage to protect your business. We'll be here as your business grows so you'll always be protected.
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Access your smart digital wallet anytime with all of your policies and rates. Provide Certificates of Insurance anytime right from your phone. PLUS the ability to update additional insured and send info to customers as needed.
"The team at Old Oak took the time to find the right coverage for my business and answered all of my questions. I feel very confident that my business is protected and in good hands."
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We utilize state of the art technology to help contractors understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
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Frequently Asked Questions
How much is insurance for a Carpenter?
The cost of insurance depends on the coverage you buy for your business. General Liability insurance, an essential coverage for your business, usually costs $350 to $1,000 per year. If you add property and have a couple of employees the cost can raise to around $1500 to $2000, and Umbrella coverage above the base GL is around $1000 for your business.
What risks do Carpentry Contractors face?
Without insurance, your carpentry business could face potential losses from income loss, liability claims, employees' injuries, illness or death, property damage, theft, loss or vandalism. Insurance can help mitigate the costs related to those risks.
Do Carpenters need General Liability insurance?
Yes, General Liability is your first defense against individuals claiming bodily injury and property damage caused by your work and your business. It also often includes a provision for Products and Completed Operations, which is coverage for claims made from the finished product you leave with your customers, long after you're done.
What type of surety bonds exist for Carpentry Contractors?
When your carpentry business is hired on a big job, a construction surety bond is often required. It guarantees that you will perform as promised within the contract. If you fail to meet your client's expectations, the surety company will pay the damages. A bid bond is also sometimes requested to protect the obligee in the event that the winning contractor is unable to take the job after securing the bid. This reimburses them from the difference between the principal's bid and the next lowest bidder.