Carpenter Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Carpenter insurance is a specialized form of commercial insurance that’s uniquely designed with carpenters in mind. Most of these policies are package policies that have several coverages bundled together so they can provide carpenters with a robust range of protections.

The vast majority of businesses and individuals who provide carpentry services in Massachusetts ought to carry carpenters insurance. Few businesses in this line of work are free of risk, and this is normally the most appropriate kind of insurance for these businesses

Commercial General Liability Coverage
Commercial Auto Coverage
Commercial Umbrella Coverage

What is Carpenter Insurance?

Carpenters are exposed to a variety of potential risks, which include liability, property and other perils. Carpenter insurance helps protect carpenters working in Massachusetts from many of the risks they face.

What Professionals in Massachusetts Need Carpenters Insurance?

In some situations, carpenters may have a tough time landing certain jobs without insurance. Many homeowners and businesses will only hire carpenters who have insurance.

TESTIMONIALS

Customers Love Us

When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

Frank

Winchester, MA
After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

Tony Bartolo

Lynnfield, MA
One of the best business and personal decisions I ever made was to collaborate with Paul Murphy Insurance Company for our families insurance needs. Starting with our business policies, then eventually all of our personal policies, we have slowly transitioned all to be managed by PMI. Many companies loosely tout that they treat you as one of the family; PMI proves it in their actions. We are glad we are part of their family.

Kelly Ilebode

Boston, MA

Do Carpenters Who Work as Subcontractors Need Their Own Insurance?

Carpenters who take on subcontracting jobs may have some coverage through the contractor they work for. Not all contractors carry liability or property coverage that extends to subcontractors, though, and those that do might have only limited protections for subs.

For these reasons, most carpenters who are subcontractors should still consider purchasing their own insurance policy. When purchasing a policy, carpenters have much more control over the protections their insurance policy comes with.

What Coverages Does Carpenters Insurance Provide?

The exact coverages that carpenters insurance policies make available can vary, but many policies offer coverages like the following as standard or optional protections:

Commercial General Liability Coverage, which may cover common accidents resulting in injury or property damage
Commercial Auto Coverage, which might cover owned vans and trucks used for work
Commercial Umbrella Coverage, which might cover especially expensive liability claims with supplemental protection
Commercial Building Coverage, which might cover an office, warehouse or other buildings
Commercial Personal Property Coverage, which might cover inventory, supplies and equipment
Inland Marine Coverage, which might cover inventory, supplies and equipment while they’re taken to and from job sites
Builders Risk Coverage, which might cover inventory, supplies and equipment kept at job sites
Business Income Coverage, which might cover some sustained revenue drops that are caused by disasters

In addition to these, some carpenters may also need errors and omissions coverage. Commonly called E&O coverage, this is a form of professional liability insurance that usually protects against errors that are made while working. The coverage’s protection is typically most useful to carpenters in situations where they give customers advice.

An insurance agent who specializes in carpenters insurance can help carpentry businesses and professionals review their coverage options and select the protections that make sense for their situation.

Do Carpenters Need Workers Compensation Coverage?

Workers compensation typically protects against job-related injuries and illnesses, which carpenters certainly can sustain. Most businesses that have employees are required to carry the coverage, and carpenters who are self-employed may want the protection in case their hurt while working.

In many cases, however, workers compensation is purchased on its own rather than through a carpenter policy. Most agents who are familiar with carpenter policies can also assist with workers compensation policies.

How Can Carpenters in Massachusetts Get Carpenter Insurance?

For help finding a carpenter insurance policy, contact the independent insurance agents of Paul T. Murphy Insurance. Our agents are able to help you compare policy quotes from a number of insurance companies in Massachusetts, and they have the expertise that's necessary to help you select the best available one.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

What is Carpenter Insurance?

What Professionals in Massachusetts Need Carpenters Insurance?

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