Common questions about Carpenters
Answering the most frequently asked questions about Carpenters.
Do I need coverage if I only subcontract?Gravity Certs2026-08-17T23:38:23-04:00
Yes. You remain liable for work done on your behalf, and uninsured subs land on your policy.
Am I covered for work at height?Gravity Certs2026-08-17T23:38:22-04:00
Yes, but Labor Law 240 makes fall claims severe. Most contracts require excess limits because of it.
Is my own faulty workmanship covered?Gravity Certs2026-08-17T23:38:21-04:00
Generally not. Rework is a business cost. Resulting damage to other property usually is covered.
Are tools stolen from a job site covered?Gravity Certs2026-08-17T23:38:21-04:00
Only with tools and equipment coverage. It’s the most frequent loss in the trade and isn’t part of general liability.
What limits do general contractors usually require?Gravity Certs2026-08-17T23:38:20-04:00
One million per occurrence with two million aggregate is typical, plus excess and additional insured status on New York work.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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