Required Cabinet Manufacturing Business Insurance Coverage Explained
- 4 days ago
- 2 min read
Running a cabinet manufacturing business or custom woodshop involves specialized equipment, valuable inventory, and skilled labor. To protect your business and comply with state requirements, it’s essential to have the right cabinet manufacturing business insurance coverage.
Core Insurance Coverage for Cabinet Manufacturers
General Liability Insurance: This coverage protects your business from claims of third-party bodily injury or property damage. For example, if a client is injured while visiting your shop or a delivery damages a customer’s property, general liability insurance covers medical expenses, legal fees, and settlement costs.
Commercial Property Insurance: Protects your workshop, tools, machinery, and inventory from covered risks such as fire, theft, or natural disasters. This ensures that your equipment—like CNC machines, saws, and routers—and raw materials can be repaired or replaced without financial strain.
Workers’ Compensation Insurance: Required in most states for businesses with employees, workers’ comp covers medical expenses and lost wages for employees injured on the job. Woodshops carry risks like saw injuries, heavy lifting, and slip hazards, making this coverage critical.
Commercial Auto Insurance: If your business delivers cabinets or materials, commercial auto insurance covers accidents, property damage, and liability associated with business vehicles. If employees use their own vehicles, hired and non-owned auto coverage may be required.
Business Interruption Insurance: Covers lost income if your woodshop must temporarily close due to a covered event such as a fire or equipment failure. This ensures payroll, rent, and other operating costs are maintained during downtime.
Why Proper Coverage Matters
Having the right insurance ensures that your woodshop, employees, and projects are protected from unforeseen events. Without adequate coverage, even a single accident, equipment failure, or property loss can result in significant financial strain.
Partner With a Specialized Provider
Wexford Insurance specializes in small business insurance for cabinet manufacturers and woodworking shops. Our team helps you select the right coverage, determine appropriate limits, and secure a policy that fits your shop’s size, equipment, and risk profile.
Request a custom cabinet manufacturing business insurance quote from Wexford Insurance today to protect your business from unexpected losses and maintain peace of mind.
