Construction & trades

Carpentry & framing

Framing and finish carpentry contractors building structural and interior wood elements.

Why it needs cover

The exposure

Framing carries fall and structural-defect exposure; finish carpentry risks damage to client property. A defective install (unstable stairs, framing failure) can trigger completed-operations claims.

What we place

Coverages this class usually needs

General liabilityOften (contract)

Injury and completed-operations defectsStructural and property-damage risk

Workers' compensationRequired (with employees)

Injured-worker costsFalls and power-tool injuries

Commercial autoRequired (owned vehicles)

VehiclesMobile trade

Inland marine (tools)Optional

Tools and equipmentPortable gear

What it costs

National benchmark premiums

Rated on: Payroll (WC) and revenue (GL)

General liability

carpenter GL starts around $14/mo; construction average GL is $82/mo

BOP

$116/mo

Workers' comp

class code 5645 (residential carpentry); carpentry WC averages ~$282/mo

Total annual (typical)

varies widely with payroll; small residential framing crews commonly $2,000-$6,000/yr all-in

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Carpentry/Construction cost); NCCI 5645 (residential carpentry).

When it goes E&S

Where this risk gets hard to place

Framing tract housing, multi-story, and tract-defect litigation history can move framers to E&S; residential structural work is a known claims driver.

Contact

Talk to us about Carpentry & framing.

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