NeedBizInsurance
Coverage by Profession · United States · 2026

Workers' Compensation for carpenters

Workers' Compensation is typically required for carpenters. Required once you have employees in nearly every state. Texas is the only optional state.

Requirement
Required
Average cost
$1950.00–$6760.00/yr
Business risk
high
01

How workers' compensation applies

Required once you have employees in nearly every state. Texas is the only optional state.

02

What affects the price

Payroll
Experience mod rate
Crew size
03

Best carriers for workers' compensation for carpenters

Embroker
AM Best: A
direct
professional-liabilitygeneral-liabilityworkers-compensationcyber-liability
NEXT Insurance
AM Best: A-
direct
general-liabilityworkers-compensationcommercial-autobusiness-owners-policy
Simply Business
AM Best: A
direct
general-liabilityprofessional-liabilityworkers-compensationcommercial-auto
Thimble
AM Best: A
direct
general-liabilitycommercial-autoinland-marineworkers-compensation
04

Workers' Compensation for Carpenters — FAQ

Do carpenters need workers' compensation?+

Yes. Workers' Compensation is typically required for carpenters by law, license, contract, or client requirement.

What does workers' compensation cover for carpenters?+

Workers' Compensation helps protect a carpenter business from losses tied to the specific risks of the work, including claims that may not be covered by a basic policy package.

Can carpenters buy workers' compensation online?+

Yes. Many carriers quote workers' compensation online for carpenters, though higher-risk work, employees, vehicles, or licensed operations may require extra underwriting.

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