Insurance for Carpenters in Georgia

Carpentry is a skilled trade that forms the backbone of many residential and commercial construction projects across Georgia. From framing and finishing to cabinetry and custom woodwork, carpenters face a variety of risks on the job—injuries, property damage, tool theft, and more. That’s why having the right insurance coverage is essential for carpenters in Georgia, whether you’re a solo contractor or run a team.

Tatum Insurance Agency can help answer questions and provide what you need to know about protecting your carpentry business with the right insurance policies.

Why Carpenters in Georgia Need Insurance

Carpentry involves hands-on, physically demanding work with sharp tools, heavy equipment, and construction materials. You’re often working on someone else's property, sometimes alongside other contractors or trades. Accidents happen—even to the most experienced professionals.

The right insurance coverage helps you:

  • Protect against lawsuits and property damage claims

  • Comply with state contractor requirements

  • Win more jobs and build client trust

  • Safeguard your tools, equipment, and income

Key Insurance Policies for Georgia Carpenters

1. General Liability Insurance

This is the foundational coverage for any carpenter. It protects against third-party claims for bodily injury, property damage, or personal injury.

Example: If you accidentally damage a client’s wall while installing built-in shelving, general liability insurance would cover the repair costs.

Many Georgia contractors are required to show proof of general liability coverage to work on construction sites or secure contracts.

2. Workers’ Compensation Insurance

If you have employees in Georgia—even part-time—you are legally required to carry workers’ compensation insurance. This coverage pays for medical expenses, rehabilitation, and lost wages if an employee is injured on the job.

Even if you're a sole proprietor, workers' comp can be worth considering if your work is physically demanding or hazardous.

3. Commercial Auto Insurance

Many carpenters use vans or trucks to transport lumber, saws, and other tools. If you use your vehicle for business, your personal auto policy likely won’t cover business-related claims. Commercial auto insurance ensures coverage for accidents, theft, or damage involving your work vehicle.

4. Inland Marine (Tools and Equipment) Insurance

Your tools are vital to your trade—and expensive to replace. This policy covers theft, damage, or loss of tools and portable equipment, whether on a job site, in transit, or in storage.

5. Professional Liability Insurance

If you provide design advice, project management, or consult on structural work, you may want professional liability (errors & omissions) coverage. It protects against claims that your guidance or planning caused financial loss or construction errors.

6. Builder’s Risk Insurance

If you're involved in constructing or renovating a building, builder’s risk insurance can protect the structure, materials, and fixtures during the course of the work.

7. Surety Bonds

While not technically insurance, surety bonds are often required for licensed contractors in Georgia. They serve as a guarantee to your clients that you will fulfill your obligations as agreed.

As a carpenter in Georgia, your work is hands-on, highly skilled, and critical to the construction process. But with your trade comes risk. The right insurance plan helps you manage those risks, meet legal requirements, and continue building with confidence.

Whether you’re framing houses in Atlanta or crafting custom cabinets in Macon, proper insurance coverage is a key part of running a successful and secure carpentry business.

Give us a call 229-244-0222  Valdosta /  229-469-9442  Lake Park