Carpenters face a range of liability exposures each day—whether working on new construction, remodeling projects, or residential repairs. Injuries, property damage, or claims stemming from completed operations can lead to substantial financial losses. Without appropriate coverage, a single incident could significantly impact your client’s business. That’s why General Liability Insurance for Carpenters is essential.
Novatae Risk Group, through its partnership with Empire Underwriters, offers a comprehensive General Liability Insurance program tailored to small- and medium-sized carpentry businesses. With access to both admitted and non-admitted A-rated carriers, our brokers can help you find a solution that fits your client’s risk profile and project scope.
Please contact us at 800-758-8113 to speak with an experienced broker about your Carpenters General Liability Insurance accounts.
Program Overview
This program provides General Liability coverage for small to medium-sized carpentry businesses with less than $1,000,000 in annual payroll. Whether your client is involved in residential home construction or light commercial remodels, this program is designed to offer flexible solutions with strong carrier backing.
Target Risks
- New construction for residential and commercial buildings, including single-family homes
- Renovation, remodeling, or repair work on residential and commercial structures
- Accounts where 75% or more of operations fall under approved class codes
Ineligible Risks
- New condominium construction, conversions, and most townhouses (some exceptions may apply)
- Projects involving structures taller than three stories (limited exceptions)
- Operations involving process piping, blasting, tunneling, landfills, emergency systems, or public utilities
Coverage Highlights
- Blanket Additional Insured endorsements
- Waiver of Subrogation
- Primary and Non-Contributory wording
- Per Project Aggregate limits
- Limited Subsidence and Prior Projects coverage options
Submission Requirements
- Completed ACORD applications
- 3 to 5 years of currently valued loss runs
- Supplemental Application
- Pollution – Project Specific Application (if applicable)
Minimum Premium and Market Access
Minimum premiums start at $1,500, depending on class and risk details. We work with both admitted and non-admitted carriers rated as high as A-XV, ensuring dependable market access for a wide range of accounts.
Program Availability
This program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV.
Why Work With Novatae Risk Group
As a trusted wholesale broker, Novatae Risk Group connects you to competitive and flexible liability solutions for carpenters. We offer fast turnaround, experienced underwriting support, and access to top-rated carriers. Whether your client is a residential framing contractor or a small team handling commercial tenant improvements, we can help you place the risk with confidence.
Need a General Liability quote for a carpentry account?
Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Small to medium-sized carpentry businesses involved in residential or light commercial new construction, remodeling, or repairs are ideal for this program.
Are new home builders eligible for coverage?
Yes, if the project involves single-family homes and the business meets the underwriting criteria, including payroll limits and class code eligibility.
Can this program accommodate multi-story construction projects?
Projects involving structures over three stories are generally ineligible, though limited exceptions may apply based on underwriting review.
What documents are required to submit an account?
You’ll need completed ACORD applications, 3 to 5 years of loss runs, a supplemental application, and a project-specific pollution application if applicable.
Is the program available on an admitted basis?
Yes, the program is available through both admitted and non-admitted carriers, depending on state and risk specifics.
Need help placing an account? Connect with a market specialist.