Insurance for carpentry contractors. 

Insurance Steel Brokers works with carpentry contractors on finish work, cabinetry, trim, framing, decks and related woodworking operations. A shop producing cabinetry, an installer working in occupied homes and a framing subcontractor can require different underwriting. Tell us both what you make and where you install it.

From our Carlsbad office, we serve San Diego County, North County and California statewide. We specialize in skilled-trade businesses and review the actual scope of work, crew, tools and contracts before approaching appropriate markets. Eligibility and terms vary; an online request is the beginning of a conversation, not proof of coverage.

Separate finish carpentry from structural framing, elevated work, deck construction and other material operations. Project height, building type, subcontracting and work on new developments can affect eligibility and exclusions.

If your operation manufactures wood products or cabinets as well as installing them, review the shop, machinery, products and job-site risks together. Do not let one part of the business disappear from the application.

Custom cabinets, millwork and materials awaiting installation can be valuable before the job is finished. Ask who bears the risk in transit, at the workshop and on site, and whether installation or inland marine coverage is appropriate.

A general liability claim for resulting damage differs from the cost to replace your own defective work. Review completed operations, property in your care and the specific conditions of the proposed policy.

Saws, dust collection, specialty tools and rented equipment deserve accurate values and storage details. Theft conditions and replacement-cost terms are important for a mobile carpenter or a shop-based operation.

Employee duties should reflect shop fabrication, delivery, installation, framing and office roles as applicable. Share subcontractor costs and job requirements so the workers’ compensation and liability discussions are consistent.