How much does Carpenter insurance cost in Worcester, Massachusetts?

The estimated annual cost for a Carpenter in Worcester with one employee is between $1490 and $2191. The state base rate is $1100.

What insurance is required for a Carpenter in Massachusetts?

In Massachusetts, businesses are subject to a 6.3% insurance tax. Carpenters typically need General Liability due to a risk factor of 1.5.

Carpenter Insurance Cost in Worcester, Massachusetts (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1490-$2191

Estimated Annual Premium

Monthly Average Breakdown

$146 / mo

Includes General Liability

Industry Risk Profile

Carpentry involves power tools and heavy materials, leading to an elevated risk of bodily injury and property damage.

Risk Factor1.5x

Location Factors

State Base Rate$1100
Worcester Multiplier1x
State Tax Rate6.3%

Local Compliance FAQ

Is General Liability required in Worcester?

While Massachusetts law may not mandate it for all businesses, Carpenters often need proof of insurance to bid on local commercial projects in Worcester.

Why is the rate different here?

Your premium reflects Massachusetts's specific base rate of $1100 and a local city multiplier of 1x.

Compare Carpenter Insurance in Other Massachusetts Cities

Carpenter in Boston Carpenter in Springfield Carpenter in Cambridge

How much does Carpenter Insurance cost in Worcester?