Carpentry & Cabinet Makers Insurance – Protect Your Craft Across Texas
Serving Austin, Houston, San Antonio & Surrounding Areas with flexible, affordable insurance plans
Protect Your Carpentry Business with Comprehensive Insurance
As a carpenter or cabinet maker, your skills bring homes and businesses to life. But the physical labor, use of power tools, and on-site work come with risks — injuries, property damage, theft, and liability claims can put your business at risk. Protect your craft and livelihood with comprehensive insurance designed specifically for carpentry and cabinetry professionals.
At Dhuka Insurance, we specialize in helping Texas carpenters and cabinet makers with flexible, affordable insurance plans, including payment plans and pay-as-you-go options — perfect for managing cash flow and seasonal work.
Essential Coverage for Carpenters & Cabinet Makers:
- General Liability (GL) - Protects against third-party bodily injury or property damage claims
- Workers' Compensation - Covers medical expenses and lost wages for injured employees
- Tools & Equipment Floater / Inland Marine - Covers theft, loss, or damage to your tools and equipment
- Commercial Auto Insurance - For trucks and vans used to transport tools and materials
- Professional Liability / Errors & Omissions (E&O) - Protects against claims for faulty workmanship or design errors
- Commercial Property Insurance - Covers your office, workshop, or storage unit and its contents
Why Choose Dhuka Insurance for Your Carpentry Business:
- Local Texas expertise ensures you meet all state-specific insurance and licensing requirements
- Flexible payment options including monthly plans and pay-as-you-go billing
- Fast quotes and quick COI delivery to keep your projects moving
- Personalized service with agents fluent in English and Spanish
Starting at $75/month
Comprehensive carpentry business protection
Complete Texas Carpentry & Cabinet Makers Insurance Guide
Why Carpenters & Cabinet Makers Need Specialized Insurance
- Workplace Injuries - Power tools, heavy lifting, and sharp equipment increase the chance of employee injuries.
- Property Damage - Accidental damage to clients' homes or business property during installations.
- Tool Theft or Loss - Expensive tools, saws, and materials can be lost, stolen, or damaged.
- Liability Claims - Claims arising from workmanship errors or incomplete projects.
Coverage Options for Carpentry & Cabinet Makers
General Liability (GL)
Protects against third-party bodily injury or property damage claims.
Workers' Compensation
Covers medical expenses and lost wages for injured employees (required if you have staff).
Tools & Equipment Floater / Inland Marine
Covers theft, loss, or damage to your tools and equipment whether on-site or in transit.
Commercial Auto Insurance
For trucks and vans used to transport tools and materials.
Professional Liability / Errors & Omissions (E&O)
Protects against claims for faulty workmanship or design errors.
Commercial Property Insurance
Covers your office, workshop, or storage unit and its contents.
Umbrella Insurance
Provides additional liability coverage beyond your primary policy limits.
Texas-Specific Considerations
- We tailor policies to comply with Texas regulations and common contract requirements in Austin, Houston, and San Antonio.
- Fast issuance of Certificates of Insurance (COIs) to meet client or subcontractor demands.
- Bilingual support for Spanish-speaking contractors.
✅ Protect Your Carpentry Business Today
Request your free, no-obligation insurance quote now and download our free checklist to understand the coverage you need.
📥 Download Free Resources
Carpentry Contractor Insurance Checklist
Complete checklist to understand the coverage you need
Download PDFACORD 25 COI Template
Template for providing proof of insurance to clients and contractors
Download PDFFrequently Asked Questions
Q: Is workers' compensation required for carpentry businesses in Texas?
A: If you have employees, yes, workers' comp coverage is legally required to protect your team.
Q: How much does carpentry insurance cost?
A: Costs vary based on your business size and coverage limits, but many small carpentry businesses in Texas start around $75/month.
Q: Are my tools covered if stolen from my truck?
A: Yes, with the right Tools & Equipment Floater or Inland Marine policy, your tools are protected both on-site and in transit.
Q: Can I get insurance if I work as a subcontractor?
A: Absolutely. We can tailor policies to meet subcontractor contract requirements, including additional insured endorsements.
Q: How quickly can I get a Certificate of Insurance (COI)?
A: Usually the same day we bind your policy, so you never miss out on a job opportunity.