Carpentry shop coverage guide
General liability for carpenters
Updated 2026-06-11 · by Brokly
If someone's hurt or their property's damaged by your work — during the install, or after when a cabinet, stair, or trim run you built fails.
Coverage
What it covers for carpentry contractors
Protects the business against claims of bodily injury, property damage, and personal injury — the customer's floor or countertop a crew damages mid-install is the working-hours half. Its products/completed-operations section pays for damage that occurs away from your premises and is caused by your completed work — the defining finish-carpentry exposure, since installed cabinetry, trim, and stairs stay in the customer's building long after the job closes. A finish carpenter's biggest exposure survives the job: a cabinet run, stair rail, or trim install that fails later is a claim that arrives after the crew has left.
Sources: Texas Department of Insurance — Commercial general liability insurance (retrieved 2026-06-11)
By state
General liability by state
What carpentry contractors need varies by state. See the full guide for carpentry contractors in your state: Arizona · California · Colorado · Florida · Georgia · Idaho · Illinois · Indiana · all states →