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Contractors’ insurance protects against the financial risks present at all stages of business operations.
Cabinetry Contractors construct and install cabinets, cases, sashes, doors, trims, non-bearing partitions, and other items of “finish carpentry” by cutting, surfacing, joining, gluing, and fabricating wood or other products to provide a functional surface. This contractor also places, erects, and finishes cabinets and millwork in structures. Since installation involves mounting cabinets to a form, heavy lifting and dangerous power tools present a substantial risk of bodily injury and property damage.
A formidable commercial insurance package will safeguard your business from third-party action in the event of an unforeseen claim.
Cabinetry contractors’ general liability will be the foundation of protection for your cabinetry contractor’s business. The coverage will respond if you or your employees are liable for bodily injury or property damage or have a products/completed operations complaint.
It provides defense costs against lawsuits brought by a third party.
Many states may require cabinetry contractors to provide cabinet installers workers’ compensation insurance for their employees before they can begin a project. Accidents at the job site can result in a worker becoming injured and missing work.
Your finish carpenter workers’ compensation policy will provide financial benefits for medical expenses and lost wages.
Most states require you to be licensed before you can commence operations. Various job owners or state regulators may require a cabinetry contractors’ surety bond before being allowed to bid on a project.
Typically, cabinetry contractors will have light and heavy work trucks requiring a cabinet installers’ commercial auto policy to ensure their vehicles can be repaired or replaced in case of an accident, vandalism, or theft.
Also known as a cabinet installers tool and equipment policy, finish carpenters inland marine insurance will reimburse expenses to repair or replace tools and equipment. Your tools are essential to your livelihood, so we encourage carpentry contractors to consider this valuable coverage.