Carpentry involves power tools, heavy materials, and physical labor that create consistent injury exposure. Workers comp insurance is required for carpentry businesses with employees throughout the East Coast, and rates depend heavily on the type of carpentry work being performed.
Residential vs. Commercial Carpentry Rates
Residential carpentry carries different class codes than commercial or structural carpentry. Finish carpentry such as trim, cabinetry, and interior millwork typically carries a lower rate than framing, formwork, or heavy structural work. If your crew does multiple types of carpentry, payroll should be allocated correctly between codes.
Common Injuries in Carpentry
Lacerations from saws and cutting tools are among the most frequent carpentry claims. Back injuries from lifting lumber and materials are also common. Falls from ladders and scaffolding, nail gun injuries, and eye injuries from sawdust and debris round out the most common claim types in the trade.
Working as a Subcontractor
Carpentry businesses that work as subcontractors for general contractors are typically required to show proof of their own workers comp coverage before being allowed on the job site. Carrying your own policy keeps you compliant and competitive for subcontracting work.
Get a Free Carpenters Workers Comp Quote
Comp Matters Inc. writes workers comp for carpentry businesses across the East Coast. Call (631) 248-2500 for a free quote from multiple carriers.
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