Here are the top five claims we see finish carpenters face and some practical steps to help avoid them.
1. Trip & Fall Accidents (Premises Liability)
Job sites are full of moving parts, and sometimes tools end up in the wrong place. All it takes is one misplaced step for someone to get hurt, and that can quickly become a liability claim.
Prevention tips:
- Mark off your workspace with tape, cones, or signage.
- Keep cords and tools organized when not in use.
- Do a quick site walk at the end of each day to make sure hazards are cleared.
2. Property Damage
Finish work usually happens in completed or nearly completed spaces, which means one slip of a tool or scratch on a surface can be a big problem. Even a small nick in cabinetry or trim can turn into a claim.
Prevention tips:
- Use drop cloths and protective coverings around your work area.
- Take photos of the space before starting. This protects you if damage is questioned later.
- Communicate with contractors and homeowners about high-risk areas.
3. Workmanship or Construction Defects
A slightly uneven seam or misaligned piece of trim might seem minor, but clients notice the details. Poor workmanship claims are common, and while your general liability policy may not cover the cost of fixing your own work, it could respond if the defect causes damage elsewhere.
Prevention tips:
- Build in time for detailed quality checks at each stage.
- Document your work with progress photos.
- Clearly outline expectations and scope in your contract so everyone’s on the same page.
4. Tool & Equipment Theft or Damage
Unfortunately, tool theft is one of the most common claims across all trades. With finish carpenters relying on specialized, high-value tools, a loss can be both expensive and disruptive.
Prevention tips:
- Lock up tools overnight, either in a secure container or locked vehicle.
- Keep an updated inventory with photos and serial numbers.
- Consider tools and equipment coverage to protect against theft or accidental damage.
5. Worksite Injuries
Even small finish carpentry tasks often involve sharp tools, repetitive movements, and awkward positions. Accidents like cuts, strains, or slips happen more often than you’d think, and, if you have employees, those incidents can turn into workers compensation claims.
Prevention tips:
- Wear proper protective gear (gloves, goggles, ear protection, etc.)
- Keep tools sharp and well-maintained to prevent misuse.
- Carry workers compensation coverage if you have employees or subcontractors.
Final Thoughts
By taking these simple steps to prevent accidents, safeguard your tools, and set clear expectations, you can minimize the risks that lead to costly claims.
And of course, the right insurance coverage is your safety net when the unexpected happens. Our team at Leavitt Select Insurance understands the risks carpenters face and can help you find coverage that fits your business.
Ready to make sure you’re covered where it counts? Contact us today to talk with one of our local advisors.
