Cabinetmakers Insurance

Minnesota Cabinetmakers Insurance

As a cabinetmaker in Minnesota, you need a cabinetmaker’s insurance policy. 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 a variety of woods, 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 insurance for cabinetmakers 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.

Often, a general contractor will request a certificate of insurance to ensure you can work and get paid. They are just looking for general liability insurance fifty percent of the time.

Sometimes, they are also seeking to have additional insured status added. General contractors may also want additional extras, such as a per-project waiver of subrogation, ongoing and completed operations coverage, 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. However, when you do it every day and genuinely want to help others, it brings you happiness.

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 enable us to provide you with the correct pricing for your wood cabinetmakers insurance the first time.

General Liability Insurance for Cabinetmakers

Cabinetmakers’ insurance, also known as general liability insurance, is the core policy that 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 deductible of $500 or $1,000 for property damage. Consider this when determining the proper insurance for your contracting business.

Typical liability coverage limits are $300,000/$600,000, $500,000/$1,000,000, and $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 add the coverage that many cabinetmakers need, such as 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 the needs of contracting companies. Tell us about your small business; we are listening.

Please call 952-222-8073 or use our online quote form to request a general liability insurance quote for your Minnesota small business from your contractor. 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 consequences of a product causing injury, death, or other harm 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.