Restoration Carpenter Insurance

Reliable protection for restoration carpenters repairing, replicating, and preserving woodwork throughout California.

Why Restoration Carpenters Need Custom Coverage

Restoration carpentry is a specialised field that demands historical accuracy, skilled craftsmanship, and risk awareness. Whether you’re restoring an ornate Victorian staircase or repairing termite-damaged framing in a heritage home, you’re working in unpredictable environments.

That’s where restoration carpenter insurance steps in. With California’s strict building codes and property laws, your business needs protection from liability claims, tool loss, and unexpected job site incidents.

"A" Rated Coverage

Excellent Service

Same Day Certificates

Key Coverage Areas for Restoration Work

Working in restoration often means dealing with fragile structures, old materials, and high client expectations. A single misstep—like damaging original moulding or triggering structural collapse—can lead to costly lawsuits.

General Liability Insurance protects against third-party injuries or damage, which is especially important when working inside client homes. Learn more about carpenter liability coverage that helps keep you covered during active restoration projects.
Business Owner’s Policy (BOP) offers a combined solution by protecting both your physical assets (like planers, sanders, and wood stock) and your legal exposure. A BOP is ideal for carpenters running a mobile restoration workshop or managing contracts across multiple sites. Get full protection with a BOP policy in California.
Workers’ Compensation Insurance is legally required if you have a crew. If a worker is injured while lifting reclaimed lumber or removing rotted beams, your workers’ comp policy ensures medical bills and lost wages are handled.

Safeguard Your Craft and Your Clients

Restoration work often involves sensitive historic properties or luxury real estate. Homeowners, museums, and building owners typically require proof of insurance before allowing any modifications.

Having a surety bond can also be a project requirement, especially when working with local governments or preservation societies. This surety bond coverage assures clients that you’ll complete restoration work to contract standards and timelines.

Coverage You Can Rely On

Smart Protection That Keeps You Moving

Shield your business from the financial burden of workplace injuries with dependable Workers’ Compensation Insurance built for California businesses.

People-First Safety Protection

Support your employees with insurance solutions that prioritise health, recovery, and your legal peace of mind—while helping you reduce downtime and avoid costly claims.

Compliance Without Compromise

tay fully covered and legally compliant with workers’ comp insurance designed to meet California’s strict requirements—so you can focus on growing your business.

Frequently Asked Questions

Is restoration carpenter insurance different from general carpenter insurance?

Yes. Restoration carpenters face unique risks—like handling valuable or irreplaceable woodwork—that require tailored liability and property coverage. That’s why a general liability policy for California contractors is often not enough on its own.

Do I need insurance for small restoration jobs?

Even a one-room restoration can lead to claims if damage occurs or a client is injured. A Business Owner’s Policy can scale with your operations, providing coverage whether you take on small tasks or full historic renovations.

Will my tools be covered if I work on multiple job sites?

Yes, as long as your policy includes equipment and property coverage across mobile or remote locations. Ask about inland marine coverage if your tools frequently travel between sites.

Areas We Serve

We proudly provide carpenter insurance across California, supporting contractors in cities like Los Angeles, San Diego, San Jose, Sacramento, and beyond. Wherever your job site is, we’re here to deliver trusted coverage and expert support tailored to California’s carpentry industry.