Question 1

What is a common misconception about General Liability for Carpentry & Framing?

Accepted Answer

Framers assume their work is finished once drywall covers it. Statute-of-repose for structural framing extends liability years after final inspection.

Question 2

What happens if carpentry & framing don't have General Liability?

Accepted Answer

Five years post-completion, a framing defect causes a header sag and ceiling crack — $40K repair. Within statute-of-repose. GL completed-ops pays the third-party portion.

Question 3

What is a common misconception about Workers' Compensation for Carpentry & Framing?

Accepted Answer

Framers in their 20s think they're invincible. Falls don't discriminate — class code 5403 (carpentry) is one of the higher WC rates in residential construction.

Question 4

What happens if carpentry & framing don't have Workers' Compensation?

Accepted Answer

A framer falls 14 feet from a wall plate — fractured pelvis, $145K medical, 5 months out. WC handles. Without WC, personal liability + business closure risk.

Question 5

What is a common misconception about Commercial Auto for Carpentry & Framing?

Accepted Answer

Personal auto won't cover a truck pulling a loaded lumber trailer.

Question 6

What happens if carpentry & framing don't have Commercial Auto?

Accepted Answer

Trailer breakaway causes a multi-vehicle accident — $300K total. Commercial auto pays.

Question 7

What is a common misconception about Inland Marine (Tools & Equipment) for Carpentry & Framing?

Accepted Answer

Framers consider tools 'consumable' but a fully equipped crew represents $30K+ of replaceable equipment.

Question 8

What happens if carpentry & framing don't have Inland Marine (Tools & Equipment)?

Accepted Answer

Job-site theft of a generator, two compressors, four nailers, and saws — $14K. Inland marine pays.

Question 9

What is a common misconception about Commercial Umbrella for Carpentry & Framing?

Accepted Answer

Framers think they don't need umbrella. Most GCs require $2M–$5M.

Question 10

What happens if carpentry & framing don't have Commercial Umbrella?

Accepted Answer

A pedestrian struck by a falling sheet of OSB suffers TBI — $1.8M settlement. $1M GL + $1M umbrella pays.

Carpentry & Framing Insurance Coverage Guide | RISKX