Carpentry Contractors Insurance
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Carpentry Contractors Insurance

Carpentry is an art and a calling as much as it is a science. Those who do this work tend to have a passion for what they do. Unfortunately, as part of the contracting industry, carpentry tends to be a dangerous profession, with thousands of accidents occurring every year. It’s vital to make sure that you keep the proper safety precautions and procedures in place so that you avoid injury on the site, and carry the right carpentry contractors insurance to reduce your liability when the unthinkable happens.

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General Precautions

There are general safety precautions that should always be in play on the job site. Make sure your tools have proper upkeep and regular maintenance. Hand tools should be sharp, clean and only used for their intended purpose — a screwdriver is not a pry bar!

All equipment should also be kept in good working order with scheduled maintenance and be inspected thoroughly before each use. Proper personal protective equipment should be worn at all times and any loose items such as rings, watches and jewelry should be removed and kept clear of the equipment. Loose clothing and hair should be tied back.

Power Tools

Power tools, such as nail guns, are part and parcel of the carpentry industry. They need to be properly and safely used to avoid accidents. Make sure they are adjusted and tightened, and all blades and bits are keen and sharp. Remember, it’s easier to get cut on a dull blade than a sharp one!

Keep safety guards in place at all times, and be sure your work area is secured with a vise or clamps. Never yank on cords or hoses, and be sure that you and your workers are thoroughly educated and trained on the use of any and all power tools and heavy equipment. Education is the first line of defense against accidents and injury.

Carpentry Contractors Insurance

Carpentry Contractors Insurance

As a carpenter, it is vital to be sure that you carry the right kinds of insurance coverage to make sure that when accidents do happen, you are covered for the damages. The three basic elements of a strong carpentry insurance policy are as follows:

  • General Liability: This kind of coverage protects you against lawsuits, damages and injuries that are inflicted by your business on others in the course of your work. It is intended to pay for damages and legal fees.
  • Workers Compensation: Most states require this by law. If you have employees and they get hurt on the job, workers comp will pay for their injuries and recovery including a portion of lost wages.
  • Auto and Truck Insurance: Your personal auto policy generally won’t cover your car, truck or van when you drive it in the course of your job. When you are going from site to site, or the office to the site, and you have an accident, you’ll need this to cover the damages