There are many different types of carpentry. The work you do may involve quite different tasks from that which your carpentry peers do. Carpenters may do heavy, outdoor work: building foundations, installing floor beams, laying sub-flooring, and installing walls and roofing. They may work indoors with molding and trim for windows, doors, and baseboards. Carpenters can specialize in finishing work, making furniture or cabinets in a workshop or factory setting. Carpenters may work to renovate and repair any type of wooden structure. A subset of the trade, scenic carpenters, work in film, television, and theatre to build scenery and sets. Some even specialize as ship’s carpenters.

Obviously, there is a wide variety of duties and activities that fall under the category "carpentry”. How could a standard insurance policy provide good coverage for all of these different professionals? If you work as a carpenter, you need to have insurance. But why settle for a policy that may not give you the types of coverage you need, or that may be asking you to pay for coverage that you’ll never use? What you need is customizedliability coverage for carpentry professionals.

Do I Need Insurance?

Insurance is an expense that we sometimes resent. It can seem, at times, that you are paying monthly and getting nothing in return. However, if you’ve ever had to make a claim, you know that insurance can save your livelihood when trouble comes to call. We take precautions to keep ourselves, our team, and our property as safe as possible, but accidents happen. If you take a fall from a roof beam, you’ll need insurance to help you out financially while you recover. If some debris from a work site drops onto a client’s laptop, insurance can help you pay to replace it. If something goes wrong with a completed job and clients threaten a lawsuit, insurance can help you settle out of court and save your reputation.

But dealing with insurance companies can be complex. Although it may seem counter-intuitive, sometimes you have to spend money to save money. Hiring a knowledgeable and experienced insurance broker can be one of the best moves you’ll ever make for your business.

The Broker Advantage

An insurance broker is there to help you find coverage that’s right for you, at a price your business can afford. When you partner with a broker, he/she will meet with you and assess your business, learning which types of insurance will be beneficial for you to have. Your broker will seek out insurance companies who can provide you with a customized policy, and help you to purchase the coverage you need.

Your broker will also be there for you if you need to change your coverage to adapt to changing circumstances – if your business grows, for example, or if you take on different types of work.

And should you ever need to make a claim, your broker can help to guide you through the paperwork or deal with questions and problems that may result.

Find an insurance broker that you can trust, and begin building a relationship. Building a customized liability coverage for carpentry professionals is piece of mind that your business will be covered in an unfortunate circumstance. Having a broker on your side can make a tremendous difference to your career.