Commercial industry
Carpenter Insurance
Carpenters are the trade license-bond pages mention first, and for good reason: you build the thing people touch. Completed-operations on a stair, a storefront, or a framed opening is the claim. Tools leave the shop every morning, so a floater is not optional. A license bond is what the registration desk wants with the GL certificate.
We place finish, remodel, and light commercial framing carpenters. If you are the GC, use the general-contractor page — the additional-insured and subcontractor story is heavier. Washington L&I stays in place for WA-situs crews.
Risks we actually schedule
- Completed-operations injury or property damage after a finish or frame job.
- Tools and job-site materials stolen from a van or an open house.
- License-bond and additional-insured wording a GC or permit desk will reject.
- Jobsite injury — L&I in Washington, private WC in competitive states.
Frequently asked questions
I am a one-person finish carpenter. Do I still need a bond?
If your state or city registration requires it, yes. Washington contractor registration and many municipal permits do. We place small license bonds every week.
Does a handyman policy work?
Handyman programs cap receipts and exclude a surprising list of work. If you frame, you are a carpenter. We write the class you actually are.
Are my Festool and SawStop covered?
On a tools floater, yes, if we schedule or blanket them. Not in the van on a shop BOP.
Related coverage, industries, and locations
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsSurety Bonds
License and permit bonds, contract bonds, and business service bonds for trades and service companies.
Coverage detailsWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Coverage detailsCommercial General Contractor
GL, builders risk, auto, surety, and multi-state WC/stop-gap for commercial GCs — not a handyman policy.
Industry pageFlooring Contractor
Installation GL, customer-property damage, and a license bond for commercial and retail floor work.
Industry pageDrywall Contractor
Completed-operations GL, tools, and the dust-and-jobsite file for hanging and finishing crews.
Industry pageWashington
Licensed commercial insurance broker serving Washington.
State page