Carpenter Insurance in Eagle, ID

Build up a framework of protection for your business with carpenter insurance.

Why do carpenters need insurance? What are the risks?

The nature of the work carpenters perform poses certain threats to your business, from the use of heavy machinery to working directly on a client’s property. For example, if a client trips over your materials or a tool damages their personal property, your business could be held liable for medical expenses or replacements. Similarly, an employee injury or the theft of tools while in transit could lead to overwhelming costs. 

Without the right protection, these everyday risks can jeopardize your livelihood, which is why Bittick Insurance provides comprehensive carpenter insurance in Eagle, ID. We help you secure the general liability, workers’ comp, and inland marine coverage needed to protect your tools, your team, and your reputation at every job site.

What coverages are most important for carpenters to have?

As part of any carpenter insurance policy, general liability insurance should be at the top of your list. This provides coverage in the event of personal injuries to clients or damage to their property while working on a project. Also, you may likely need to obtain workers’ compensation insurance. Your employees face exposure to multiple risks because of the materials and tools they use, as well as the physical work involved in the carpentry trade. If a worker is injured while on the job, their medical bills may be covered. Also, completed operations insurance offers coverage if personal injury or property damage occurs as a result of your work after the job has been completed, such as a house collapsing or a step in a staircase breaking.

Coverage depends on the carpentry work you perform.

In order to get a well-rounded carpenter insurance policy, it’s important for your agent to understand the specific types of services you provide in the carpentry industry. For instance, the coverage needs of a carpenter who focuses solely on remodeling and refinishing for residential properties differs vastly from the needs of a carpentry contractor who installs structural supports and framework for buildings. Take the services you provide into account when considering your specialized insurance policy so that it fits your business. Here are some examples of the different types of carpenters that may benefit from a specialized carpenter insurance policy:

Carpenters still need general business insurance.

As a carpenter, whether you have an entire team or you are a one-person shop, you are still operating a business and need insurance coverage to protect it just the same. Business auto insurance protects you if you or an employee is involved in an accident with a company vehicle while in transit to or from a job. Inland marine insurance provides coverage for materials, tools, and equipment in the event that they are damaged or stolen while in transit. Crime insurance offers another layer of protection to help cover your business if an employee is found stealing from a client. Also, cyber liability insurance may benefit your business if you store client information on your computers.

Contact us to learn more about finding carpenter insurance for your business.