Cabinetmakers Insurance

Minnesota Cabinetmakers Insurance

As a cabinet maker in Minnesota, you need cabinetmakers insurance. You have worked hard to build your small business. You may manufacture and stain wood file cabinets, wood cabinets, wood kitchen cabinets, wood bathroom vanity’s, or wood gun cabinets each day and might even install them. Many cabinetmakers produce unfinished kitchen cabinets.

You use all types of woods like cherry, walnut, oak, white oak, and even knotty alder. All are beautiful, unfinished, or stained.

Working in residences or even companies has its risks. A nail goes into a water pipe, scratches on wood flooring, a fire, a poor decision made by an employee. It’s essential to have proper cabinetmakers’ insurance in place. Protect the future of your Minnesota cabinetmaker business.

Let us be your go-to for wood cabinet manufacturing insurance. Click Get My Quote or call 952-222-8073.

Many times a general contractor will be asking for a certificate of insurance so you can work and get paid.  They are just looking for general liability insurance fifty percent of the time.

Sometimes they are also looking for additional insured status to be added. General contractors may also want other extras like per project, waiver of subrogation, ongoing and completed operations, primary and non-contributory language, commercial auto insurance and workers compensation insurance, or even a commercial umbrella policy.

We can help you understand these things and explain them clearly. Speaking contractor’s insurance is not simple. But when you do it every day and want to help others, it makes us happy.

If you have requirements from a general contractor, please email them to us. Doing so will save time and help you secure a certificate and the contract fast, and it will also allow us to give you the correct pricing on your wood cabinetmakers insurance the first time.

General Liability Insurance for Cabinetmakers

Cabinetmakers insurance or general liability insurance is the core policy most Minnesota businesses purchase. Covering bodily injury and property damage claims it’s a crucial policy for your cabinetmaker business.

Often insurance companies will include a $500 or $1,000 property damage deductible. It would be best to consider this when determining the proper insurance for your contracting business.

Common limits of liability coverage are $300,000/$600,000, $500,000/$1,000,00 & $1,000,000/$2,000,000. The $1,000,000 represents the per occurrence limit or claim. The $2,000,000 represents the aggregate limits or maximum per policy term limit for all claims presented.

Business Owners Policy (BOP)

Take a general liability insurance policy and mix in what many cabinetmakers need, like building & personal property coverage. Building coverage is not required. But, often included is $5,000 in business personal property insurance. If you qualify, a BOP is preferred as it has business interruption insurance included.

Contact Us for Quote – Minnesota Wood Cabinetmakers Insurance

We are ready to discuss your cabinet makers’ insurance and your contracting companies’ needs. Tell us about your small business; we are listening.

Please pick up the phone and call 952-222-8073 or use our online quote form. Request your contractor’s general liability insurance quote for your Minnesota small business. Buy cabinet manufacturers insurance with no regrets. Don’t delay!

Frequently Asked Questions (FAQ’s) – Wood Cabinet Manufacturing Insurance

Q- Do I need a dust collection system in my shop?

Ans:- No, but some reasons to have one are your health (lungs), the shop, and insurance. The tiny particles can cause the most lung damage. Having a tidy woodshop is a good thing and is most likely required by your insurance company. Start with a well-planned dust collection system; the layout is critical.

Q- What insurance should a wood cabinet manufacturer have?

Ans:- All manufacturing companies need general liability insurance. But, property insurance, workers compensation insurance, business income, and extra expenses coverage would be your following choices.

Q- What is product liability insurance?

Ans:- Product liability insurance protects businesses from the fallout if a product causes injury, death, or other damage to a third party. Product liability insurance can help protect you from lawsuits.

Q- Who is responsible for providing product liability insurance?

Ans:- A business’s product can hurt consumers, and product liability insurance helps protect manufacturers and sellers from defective products claims. The responsibility for a product defect that causes injury lies with the manufacturer and all product sellers in the distribution chain.