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Why do cabinet makers need insurance?
If a contractor breaks a valuable antique while installing a cabinet in a customer's home, the costs could devastate your small business. Insurance helps pay for property damage, legal fees, medical bills, and data breaches. State laws and contracts might require coverage.
Find the right coverage
Insureon helps cabinet makers and installers compare insurance quotes from top U.S. providers online.
Get several quotes with our easy application. A licensed insurance agent will help you find the best coverage for your unique risks.
What types of cabinet installer insurance do I need?
These insurance policies cover the most common risks of cabinet installation.
General liability insurance
A general liability policy covers common third-party risks, such as a customer who trips over your toolbox and suffers a bodily injury. It may be required for a commercial lease, loan, or contract.
BEST FOR
- Accidents that harm customers
- Libel and other advertising injuries
- Products-completed operations coverage
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for cabinet installers to buy general liability coverage and commercial property insurance together.
BEST FOR
- Third-party bodily and personal injuries
- Business property damage
- Business interruption coverage
Workers’ compensation insurance
Most states require workers' comp for cabinet installation companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Workplace injury lawsuits
Commercial auto insurance
This policy covers financial losses in an accident involving a cabinet contractor's van or other vehicle. Most states require it for business-owned vehicles.
BEST FOR
- Injuries caused by your vehicle
- Property damage caused by your vehicle
- Vehicle vandalism and theft
Contractor’s tools and equipment insurance
This policy covers a cabinet maker's drills, saws, and other tools and equipment. It's a type of inland marine insurance that protects mobile property.
BEST FOR
- Equipment less than five years old
- Items that travel to job sites
- Portable tools
Cyber insurance
Cyber insurance helps cover the cost of a data breach or cyberattack at your cabinet installation business. It's sometimes called cyber liability insurance or cybersecurity insurance.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Looking for different coverage? See more policies.
How much does cabinet installer insurance cost?
A cabinet installer who works independently will pay less for insurance coverage than a larger business.
Factors that affect your premiums include:
- Types of installation you do, such as cabinets, lighting, or windows
- Business property, tools, and equipment
- Annual business revenue
- Types of insurance purchased
- Policy limits and deductibles
- Claims history
How do I get cabinet maker insurance?
It's easy to get insurance for your cabinetry business or furniture store if you have your company's information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Fill out our free online application.
- Compare insurance quotes and choose a policy.
- Pay for the policy and download your certificate.
Insureon's licensed agents work with top-rated U.S. insurance companies to find affordable coverage that fits your business needs, whether you're a contractor, subcontractor, or employer.
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FAQs about business insurance for cabinet makers and installers
Review answers to common questions about cabinet installation insurance.
Do cabinet installers need a license?
While there is no specific license for installing cabinets, your state's laws will determine other licenses and permits you may need. That includes:
- You may need a carpentry license. Most states require a carpenter's license or a general contractor's license for larger home renovation projects. For example, contractors in California must get licensed to take on projects worth $1,000 or more in materials and labor.
- You may need a license for other types of work. In many states, you'll need an electrician's license for any electrical project, such as installing under cabinet lighting. Plumbers and HVAC technicians often need a license as well.
- You may need a business license. Even if your state doesn't require a business license, you likely need one to comply with the laws in your county or city.
- You may need a sales tax permit. Any business that sells tangible goods needs to obtain a sales tax permit from the state tax department.
Trade license requirements are different in each state. They usually include a certain amount of education or experience, an exam, an application fee, and appropriate business insurance and bonds.
Is a cabinet maker the same as a carpenter?
A cabinet maker is a specific type of carpenter, but they don't always need a carpentry license. Here's how it typically works:
- A cabinet maker does not need a carpentry license so long as they only build cabinets, and do not install them or work as a contractor.
- Cabinet installers are usually considered carpenters and must obtain the necessary licensure. Carpenters do a broad range of work, from millwork to structural framing of buildings.
If you only make cabinets and do not install them, then you are likely exempt from your state's carpentry licensing requirements.
What other types of coverage are recommended for cabinet installers?
Installation contractors often depend on the following insurance products, in addition to those mentioned above:
- Professional liability insurance: This policy provides financial protection against accusations of professional negligence, such as incorrect materials or undelivered cabinets. It's also called errors and omissions insurance (E&O).
- Builder's risk insurance: Also called course of construction insurance, this insurance covers damage to structures under construction and materials at a building site.
- Business interruption insurance: If your cabinet making business is forced to close temporarily due to a fire or other covered property insurance claim, this policy will cover your day-to-day operating costs and lost profits.
- Surety bonds: A surety bond provides a financial guarantee that your business will meet the terms of a contract. Some states require a bond as part of their contractor's licensing requirements.
- Commercial umbrella insurance: Umbrella insurance boosts the coverage of other policies once they reach their limit on a liability claim, such as general liability insurance, commercial auto insurance, and employer's liability insurance.
- Installation floater insurance: If your cabinets or other products are stolen or damaged at a jobsite, this property coverage will help pay for your losses. It covers materials in transit and stored off-site, which is important since commercial property insurance only covers items at a fixed business address.
- Equipment breakdown insurance: This policy covers repair or replacement of carpentry and wood manufacturing machinery that suffers a sudden breakdown.