ContractorNerd’s proprietary quote platform connects millwork contractors with contractor-friendly insurers who understand the specialized risks of custom fabrication and installation work. Our team of tech-enabled and specialized agents leverages comprehensive market data to help millwork professionals navigate the complex insurance landscape and find appropriate coverage for their specific business operations.
Understanding insurance costs across different states is crucial for millwork contractors planning operations, budgeting for expansion, or making strategic business decisions. Our comprehensive analysis of over 200 millwork insurance quotes from top insurers reveals significant variations in general liability premiums across key markets, with wide cost variations between different pricing approaches.
What This Guide Covers
This state-by-state cost analysis provides essential benchmarking data for millwork contractors across 11 major markets. Key coverage includes:
- General liability classification codes GL 91343 (Carpentry – Shop Only) and GL 91746 (Door/Millwork Installation)
- Premium benchmarks for three revenue levels: $50K, $150K, and $500K operations
- State-by-state premium variations with detailed tables showing favorable, average, and higher-end rates
- Cost ranges spanning 0.5% to 9.3% of annual revenue depending on state and business size
The premium data reflects three distinct business profiles that represent typical growth stages in the millwork industry. $50,000 revenue operations assume one owner with no employees, focusing primarily on custom fabrication. $150,000 revenue businesses include one owner with one employee, established operations with proven safety records. $500,000 revenue companies represent established millwork businesses with approximately three employees and comprehensive safety protocols.
Before examining state-specific pricing variations, understanding comprehensive millwork insurance coverage options helps contractors evaluate protection for custom fabrication risks, installation floater needs, and the specific exposures covered under GL codes 91343 and 91746.
Geographic location proves to be one of the most significant factors affecting premium costs, with substantial variations between states across all revenue levels. Don’t let insurance complexity hold your business back—get quotes today through ContractorNerd’s specialized platform and access the coverage options you need from insurers who understand millwork operations.
Jump to State
Arizona
The following table shows general liability premiums for $1 million per occurrence and $2 million general aggregate coverage limits, with premium ranges representing the span between favorable and higher-end rates as a percentage of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,380 | $570 | $2,850 | 80% |
| $150,000 | $3,230 | $1,500 | $5,050 | 70% |
| $500,000 | $9,950 | $4,190 | $13,240 | 68% |
Arizona premiums range from 1.1% to 5.7% of revenue for smaller operations, narrowing to 0.8% to 2.6% for established businesses, with average costs declining from 2.8% to 2.0% as revenue increases.
California
The following table shows general liability premiums for $1 million per occurrence and $2 million general aggregate coverage limits, with premium ranges representing the span between favorable and higher-end rates as a percentage of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,860 | $1,310 | $2,660 | 51% |
| $150,000 | $4,330 | $2,240 | $6,260 | 64% |
| $500,000 | $11,960 | $6,260 | $18,650 | 66% |
California premiums range from 2.6% to 5.3% of revenue for smaller operations, narrowing to 1.3% to 3.7% for established businesses, with average costs declining from 3.7% to 2.4% as revenue increases.
Florida
The following table shows general liability premiums for $1 million per occurrence and $2 million general aggregate coverage limits, with premium ranges representing the span between favorable and higher-end rates as a percentage of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,690 | $1,090 | $3,770 | 71% |
| $150,000 | $4,560 | $3,270 | $7,550 | 57% |
| $500,000 | $14,040 | $9,370 | $18,390 | 49% |
Florida premiums range from 2.2% to 7.5% of revenue for smaller operations, narrowing to 1.9% to 3.7% for established businesses, with average costs declining from 3.4% to 2.8% as revenue increases.
Illinois
The following table shows general liability premiums for $1 million per occurrence and $2 million general aggregate coverage limits, with premium ranges representing the span between favorable and higher-end rates as a percentage of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,160 | $850 | $4,650 | 82% |
| $150,000 | $4,610 | $1,520 | $9,310 | 84% |
| $500,000 | $12,790 | $2,780 | $22,870 | 88% |
Illinois premiums range from 1.7% to 9.3% of revenue for smaller operations, narrowing to 0.6% to 4.6% for established businesses, with average costs declining from 4.3% to 2.6% as revenue increases.
Massachusetts
The following table shows general liability premiums for $1 million per occurrence and $2 million general aggregate coverage limits, with premium ranges representing the span between favorable and higher-end rates as a percentage of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,490 | $760 | $3,290 | 77% |
| $150,000 | $3,110 | $1,320 | $5,920 | 78% |
| $500,000 | $8,820 | $2,390 | $13,600 | 82% |
Massachusetts premiums range from 1.5% to 6.6% of revenue for smaller operations, narrowing to 0.5% to 2.7% for established businesses, with average costs declining from 3.0% to 1.8% as revenue increases.
Michigan
The following table shows general liability premiums for $1 million per occurrence and $2 million general aggregate coverage limits, with premium ranges representing the span between favorable and higher-end rates as a percentage of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,320 | $740 | $2,650 | 72% |
| $150,000 | $3,000 | $1,150 | $5,230 | 78% |
| $500,000 | $8,520 | $1,940 | $13,020 | 85% |
Michigan premiums range from 1.5% to 5.3% of revenue for smaller operations, narrowing to 0.4% to 2.6% for established businesses, with average costs declining from 2.6% to 1.7% as revenue increases.
North Carolina
The following table shows general liability premiums for $1 million per occurrence and $2 million general aggregate coverage limits, with premium ranges representing the span between favorable and higher-end rates as a percentage of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,060 | $500 | $3,240 | 85% |
| $150,000 | $2,350 | $1,220 | $6,330 | 81% |
| $500,000 | $6,470 | $3,220 | $14,690 | 78% |
North Carolina premiums range from 1.0% to 6.5% of revenue for smaller operations, narrowing to 0.6% to 2.9% for established businesses, with average costs declining from 2.1% to 1.3% as revenue increases.
Pennsylvania
The following table shows general liability premiums for $1 million per occurrence and $2 million general aggregate coverage limits, with premium ranges representing the span between favorable and higher-end rates as a percentage of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,520 | $500 | $3,240 | 85% |
| $150,000 | $3,450 | $2,140 | $6,320 | 66% |
| $500,000 | $10,820 | $4,280 | $14,610 | 71% |
Pennsylvania premiums range from 1.0% to 6.5% of revenue for smaller operations, narrowing to 0.9% to 2.9% for established businesses, with average costs declining from 3.0% to 2.2% as revenue increases.
Texas
The following table shows general liability premiums for $1 million per occurrence and $2 million general aggregate coverage limits, with premium ranges representing the span between favorable and higher-end rates as a percentage of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,660 | $890 | $4,050 | 78% |
| $150,000 | $3,770 | $2,200 | $8,080 | 73% |
| $500,000 | $10,540 | $5,240 | $19,630 | 73% |
Texas premiums range from 1.8% to 8.1% of revenue for smaller operations, narrowing to 1.0% to 3.9% for established businesses, with average costs declining from 3.3% to 2.1% as revenue increases.
Virginia
The following table shows general liability premiums for $1 million per occurrence and $2 million general aggregate coverage limits, with premium ranges representing the span between favorable and higher-end rates as a percentage of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $810 | $610 | $1,470 | 58% |
| $150,000 | $1,740 | $1,250 | $2,400 | 48% |
| $500,000 | $4,740 | $2,490 | $6,840 | 64% |
Virginia premiums range from 1.2% to 2.9% of revenue for smaller operations, narrowing to 0.5% to 1.4% for established businesses, with average costs declining from 1.6% to 0.9% as revenue increases.
Washington
The following table shows general liability premiums for $1 million per occurrence and $2 million general aggregate coverage limits, with premium ranges representing the span between favorable and higher-end rates as a percentage of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,340 | $680 | $2,180 | 69% |
| $150,000 | $3,670 | $2,700 | $4,290 | 37% |
| $500,000 | $11,490 | $8,320 | $14,870 | 44% |
Washington premiums range from 1.4% to 4.4% of revenue for smaller operations, narrowing to 1.7% to 3.0% for established businesses, with average costs declining from 2.7% to 2.3% as revenue increases.
Get Help from ContractorNerd
This comprehensive state-by-state analysis reveals substantial variations in millwork contractor insurance costs, with strategic location and insurer selection offering important considerations for business planning. The data demonstrates wide cost variations between different pricing approaches, emphasizing the critical importance of comprehensive quote comparison and specialized insurance partnerships.
The wide premium variations underscore the value of working with insurance professionals who understand millwork operations and can navigate the complex landscape of classification codes, coverage requirements, and carrier specializations. Whether planning for growth, evaluating new markets, or optimizing current insurance strategies, these benchmarks provide the foundation for strategic decision-making and effective communication with insurance providers.
Ready to explore coverage options for your millwork business? ContractorNerd’s specialized platform connects you with insurers who understand your unique operational risks. Get quotes today and let our tech-enabled agents help you navigate the insurance landscape with confidence.