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Liability Insurance for Carpenters & Handymen
We understand carpenters and handymen—whether your business is large or small, even just one person. Our carpenter insurance options are designed to meet the unique needs of carpenters.
Carpentry Accidents Happen
You're already aware of the career risks of being a carpenter or handyman:
- damage to customer's property
- misunderstood instructions from the customer
- lost or stolen materials & tools
- slips, trips & falls
- project delays
- injuries to customers or employees
Incidents like these can lead to claims for substantial damages. And that could leave you facing hefty legal bills. Without carpenter insurance coverage—which includes carpenter liability insurance—you could be out of business.
There are other risks too. Expensive tools have a habit of getting lost, damaged or stolen - and, typically, at just the wrong time. What if you can't afford to replace them immediately? There could be costly delays to the job. But if your carpentry insurance includes tools and equipment coverage, your problems are solved.
And don't forget that if you have anybody working for you - even on a casual basis - you'll need workers compensation insurance as part of your carpentry insurance package.
Melendez Insurance - Carpenter Insurance Specialists
You may be shopping around for insurance. Comparing carpenter insurance policies and premiums is just good business practice. But, for a craftsman, working with your hands shouldn't mean filling in endless business insurance forms!
As an independent insurance agent, Melendez Insurance in Chicago (Pilsen) is able to research a variety of insurance carriers to find you the absolute best policy for your carpentry business.
Carpentry Insurance is Perfect For:
- Framing Contractors
- Deck Builders
- Wood Workers
- Housing Contractors
- Cabinet Installers
- Construction Companies
Carpenter Insurance in Chicago and Nationwide
General Liability Insurance for Carpenters
Unfortunately for every business owner, the chances of getting sued have dramatically increased. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing insurance protection in case your carpentry business is ever sued or held legally responsible for some injury or damage. Your policy may include:
- bodily injury coverage
- property damage coverage
- products liability coverage
- contractual liability coverage
- legal defense costs
- and more…
Workers Compensation Insurance for Carpenters
Workers Compensation Insurance is designed to help carpenter companies pay benefits to employees who are injured on the job. In most states, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Bonds are commonly used in the construction or carpentry industry, as an assurance between the contractor and the client as well as between a general contractor and his or her subcontractors. You may be required to be bonded before you can win a government or large corporate carpentry contract.
- Bid Bonds
- Payment and Performance Bonds
- Contract Bonds
- Subcontractor bonds
- License bonds
- and more…
Inland Marine Insurance
Any contractor who regularly moves expensive materials, equipment, or supplies from one job site to another job site should have some type of inland marine insurance. This way, in the event of an accident, the goods or materials being shipped are protected separately from your auto policy.
An umbrella insurance policy plugs holes in your existing coverage. It provides additional protection that kicks in when the primary carpenter insurance coverage has been exhausted.