How to Get Cabinet Manufacturing Business Insurance for Your Woodshop
- 4 days ago
- 2 min read
Running a cabinet manufacturing business or custom woodshop involves precision craftsmanship, heavy machinery, and valuable materials. From table saws and CNC machines to lumber inventory and client installations, your operation carries unique risks. Securing the right cabinet manufacturing business insurance ensures your woodshop is protected from financial setbacks caused by accidents, property damage, or liability claims.
Step 1: Identify Your Business Risks
Every woodworking operation has different exposures. A small custom cabinet shop may focus on residential projects, while a larger manufacturer may handle commercial contracts. Common risks include:
Fire or property damage to your workshop
Theft of tools or raw materials
Equipment breakdown
Employee injuries
Damage during installation at client sites
Step 2: Secure Core Insurance Coverages
Most cabinet manufacturers need a combination of the following policies:
General Liability Insurance – Protects against third-party property damage or bodily injury claims.
Commercial Property Insurance – Covers your building, tools, lumber inventory, and equipment.
Workers’ Compensation Insurance – Required in most states if you have employees operating machinery.
Commercial Auto Insurance – Essential if you deliver cabinets or transport materials
Bundling these policies into a comprehensive woodshop business insurance package can simplify coverage and reduce gaps.
Step 3: Determine Proper Coverage Limits
Your insurance limits should reflect the full replacement cost of your equipment and materials. Underinsuring can leave you responsible for large out-of-pocket expenses after a claim.
Consider:
Total value of woodworking machinery
Lumber and material inventory
Annual revenue and project size
Payroll and number of employees
The Occupational Safety and Health Administration also provides safety standards that can reduce workplace injuries and help manage insurance costs.
Step 4: Work With a Specialized Insurance Provider
Cabinet manufacturing businesses have distinct exposures compared to general contractors or retailers. Working with an experienced insurance partner ensures your coverage matches your operations.
Wexford Insurance specializes in tailored small business insurance solutions, including coverage for cabinet manufacturers and woodworking shops. Their team evaluates your equipment values, project scope, and workforce risks to design a policy that protects your business without unnecessary expense.
Whether you operate a small custom woodshop or a growing cabinet production facility, the right insurance coverage safeguards your tools, employees, and reputation.
Request a custom cabinet manufacturing business insurance quote from Wexford Insurance today and protect your woodshop from unexpected losses.
