Cabinetmakers Insurance

Minnesota Cabinetmakers Insurance

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

You use all types of wood, including cherry, walnut, oak, white oak, and 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, or 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 ask 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, workers’ compensation insurance, or even a commercial umbrella policy.

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

If you have requirements from a general contractor, please email them to us. Doing so will save time, help you secure a certificate and the contract quickly, and 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 include a $500 or $1,000 property damage deductible. Consider this when determining the proper insurance for your contracting business.

Typical liability coverage limits 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 (year) limit for all claims presented.

Business Owners Policy (BOP)

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

Contact Us for a Quote – Minnesota Wood Cabinetmakers Insurance

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

Please call 952-222-8073 or use our online quote form to 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. Tiny particles can cause the most lung damage. 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. However, you can also choose from property insurance, workers’ compensation insurance, business income insurance, and extra expenses coverage.

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 product claims. The manufacturer and all product sellers in the distribution chain are responsible for a product defect that causes injury.