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A Carpenter Contractor Insurance
Finding The Right Insurance For Your Carpentry Business Is An Important Step In Protecting And Growing Your Business. KYC Insurance® handles all your Insurance needs!
What Does a Woodworking Contractor Do?
A woodworking contractor builds with wooden construction frames, temporary bridges, does the installation of floors, stairs, railings, roof doors, roofs, siding. A woodworking or joinery contractor builds from building accent pieces and accessories for chairs, tables, desks, including cabinets and frames. As a carpenter, you are a skilled craftsman involved in various types of construction, construction, or repair of structures.
You are an expert in working with wood and other materials and they play a crucial role in the construction and finishing of the interior of buildings.
What Insurance Coverage Do I Need As A Carpenter?
Having the proper insurance coverage can help you protect your woodworking business if someone is injured or if your business damages property. Although you are likely to operate your business safely, the woodworking trade has many dangers, including flying materials, dangerous tools, dust, and chemicals.
Ensuring you have the proper insurance coverage is a smart business decision that will help you win new business and protect your business finances in the event of an accident.
Here are some of the most common coverages for woodworking contractors:
Covers the value of materials and labor for partially completed construction projects. This insurance is applicable to general contractors that carry out new construction or rehabilitation projects for clients.
You are building a custom home for a client. Halfway through the job, a fire breaks out and destroys the partially finished house.
Builder’s hazard insurance protects the value of materials and labor that have been expended on the job to date.
Protect your business if you physically harm another person or cause damage to someone else’s property. Many customers require electrical contractors to have commercial liability insurance to be purchased.
Property Damage: Accidentally dropping your tool belt and damaging your customer’s custom flooring
Bodily Injury: Customer Trips Over Left Power Cords and Sues His Company for Negligence
Products and Operations Completed: Due to faulty electrical work, one month after completing a job, a fire starts at the customer site. The client sues your company for damages caused by fire.
Provides protection for property that your business owns or is responsible for.
Commercial property insurance provides protection for the property stored in your office owned by your business. If your business owns your office, it can also provide protection for the building itself.
You have computers and inventory in your office. A fire breaks out that destroys the property stored in your office.
Protect your business if you or one of your employees have caused injury or harm to another person while driving a commercial vehicle or while driving for business purposes. It also protects your company vehicles against damage or theft.
Your work truck crashes into another vehicle on the way to electrical work. The other driver is injured and sues your company.
Your company truck is stolen from the parking lot in front of your company.
It provides funds for medical expenses and lost wages if one of its employees is injured or dies while working. In almost all states, workers’ compensation insurance is required for businesses that have employees.
One of your employees receives an electric shock and injures his hands. Workers’ compensation insurance provides coverage for an employee’s medical bills, rehabilitation expenses, and a portion of his lost income while he is unable to work.
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