Framing & Carpentry Contractor Insurance

Framing and carpentry contractors need general liability with completed operations, workers' comp, commercial auto, and tools coverage. Structural framing and multifamily work drive the underwriting; finish carpentry is lower-hazard.

Key exposures for framing/carpentry contractors

• Falls and height exposure
• Structural completed-operations
• Tract homes and multifamily
• Tools and equipment
• Subcontracted labor

Coverages a framing/carpentry contractor typically needs

General liability with completed operations, workers' comp, a tools/equipment floater, and an umbrella. Structural framing and multifamily get closer review than finish carpentry.

Workers' comp note

Framing carries a higher workers' comp rate than finish carpentry due to height and structural work. See workers' comp in California and how your X-Mod works.

FAQ

Is finish carpentry insured differently than framing?

Yes. Finish carpentry is lower-hazard; structural and rough framing carry more height and completed-operations exposure.

Does multifamily framing cost more to insure?

Generally yes, because tract and multifamily work carries greater construction-defect exposure.

General information from Focus West Insurance Solutions (CA Lic. #0M32679), not coverage advice; CSLB classes and coverage availability vary by operation and carrier. Related: contractor insurance · general liability · certificates of insurance · quick quote.