Construction & Trades

Carpenter Insurance in Ontario

Protect the craft — and the tools it depends on.

Carpenters work in occupied homes and on active sites, with expensive tools that travel every day. The two claims we see most: damage to a client's property during install, and a truck or trailer emptied overnight.

A carpenter package pairs CGL with a proper tool floater — most standard policies cap unscheduled tools far below what's actually in your trailer.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Tools and equipment coverage, on site and in transit
Commercial auto for business vehicles
Installation floater / builder's risk for projects under way
Damage to rented premises coverage required by most commercial leases

Good to know

Frequently asked questions

Are my tools covered in my truck overnight?: Only if your policy includes a tools floater with theft-from-vehicle coverage — and insurers differ widely on limits and overnight conditions. We'll set a scheduled limit that matches what you actually carry.
How much does carpenter insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get carpenter insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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What the package includes

Commercial general liability (CGL) for third-party injury and property damage

Tools and equipment coverage, on site and in transit

Commercial auto for business vehicles

Installation floater / builder's risk for projects under way

Damage to rented premises coverage required by most commercial leases

Frequently asked questions

Are my tools covered in my truck overnight?

Only if your policy includes a tools floater with theft-from-vehicle coverage — and insurers differ widely on limits and overnight conditions. We'll set a scheduled limit that matches what you actually carry.

How much does carpenter insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get carpenter insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.