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Cabinet Maker & Installer Insurance: Cost & Quotes From $11/month

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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As a cabinet maker or installer, you are entrusted with a client's property just like carpenters, and flooring installers. Even with the best intention and utmost care, accidents inevitably do occur. These accidents expose you and your business to the risk of a lawsuit. 

Note that at present, the values of the property and equipment that you'll likely be working with are on the rise. This translates to an increase in compensation claims filed by aggrieved parties. If you were to meet the rising costs of such lawsuits, you would risk financial strain, damage to reputation, and ultimately closure of business. 

That's where cabinet maker insurance comes in. Also known as cabinet installer insurance, this is a specialty product for cabinet makers and installers. It protects the business from a host of risks that they would otherwise have had to solely take care of. 

As you work to fulfill the dreams of your clients with exquisite cabinetry and their installation, the cabinet maker insurance protects your interests.

Cabinet Maker & Installer Liability Insurance

Owning a cabinet maker business or working as an installer has the potential to be quite fulfilling. You work side-by-side with talented artisans, suppliers with a range of the best base material, and customers excited about selecting and installing the very best cabinetry they can afford.

While you might consider this field as relatively low-risk, a simple mishap could lead to extreme financial hardships. As such, you want to invest in the best protection for your business. Specifically, you want to invest in comprehensive cabinet maker & installer liability insurance.

Let's examine a few situations where a cabinet maker & installer liability insurance policy comes in handy.

Consider this; A kitchen cabinet is installed improperly and ultimately falls off the wall, causing cranial injury to an individual unrelated to your company.

What if a kitchen and bathroom fitter within your team does their work in a reckless manner which leads to damage to the facility's plumbing?

Further, imagine a situation in which the client cites immature wear and tear due to the use of non-durable material in the creation of the cabinet.

A client could also trip over one of your toolboxes and fall, chipping their tooth or hurting their hand in the process.

Finally, what if you unknowingly use a competitor's product picture to call the attention of potential customers to the risk of cheap material?

Each of these situations represents a potential means of financial loss due to damages. Each represents the role of cabinet maker & installer liability insurance in protecting your business. More precisely, a cabinet maker & installer general liability insurance is meant to cover:

  • Injuries to the body–Physical harm suffered by an individual not associated with your business

  • Damage to property–All damages to property owned by a third party

  • Personal injury–A non-physical injury that takes a toll on a third party

  • Advertising injury–False claims or campaigns considered defamatory to a third party

  • Medical payments–Medical bills accrued by a third party whose injuries were caused by an employee’s negligence or accident you’re liable for


A Furniture Store is Selling My Cabinets for Me. Am I Covered by My Partner’s Liability Insurance if a Product Liability Claim is Filed Against Us?

Yes. If you’re named as an additional insured. If the opposite is true, then the general liability policy of your partner’s furniture store insurance package can’t provide help. It’s still important to have your own general liability coverage even if you have an arrangement with other businesses to sell the cabinetries on your behalf.

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Business Owner’s Policy for Cabinet Makers And Installers

What if, on top of what's protected by the general liability policy, you also want to protect your physical and tangible property? The latter could include anything from your workshop to the machinery you use. 

In this case, you want to get a cabinet maker business owners policy (BOP).  Other than covering the aforementioned, this policy can also extend to the extra expenses and income loss you incurred during downtime. 

The neat feature of this policy is that it offers you comprehensive coverage at a fraction of the price it would have otherwise cost if you bought each cover as a standalone policy. Note that a BOP is also bought by siding contractors and drywall contractors.


Workers Compensation Insurance for Cabinet Makers And Installers  

When making and installing cabinets, your employees are constantly surrounded by sharp and dangerous tools and equipment that could cause actual harm. Suppose, for instance, an employee gets a head injury from overhead stored drills.

They could sue your business for not providing a safe work environment. Upon the claim's justification, you are legally liable for paying the employee's needs and expenses, including medical and other treatment costs.

Besides, this lawsuit will accrue legal expenses. If you were to pay these out of pocket, it would take a toll on your finances. Fortunately, workers' compensation insurance for cabinet installers can cover these costs, ensuring no further losses even when employees are hurt while on duty.


Commercial Auto Insurance for Cabinet Makers And Installers 

As a cabinet maker, you will likely have a commercial motor vehicle that you use to deliver the cabinets from your workshop to the client's property. Having this commercial motor vehicle on the road frequently opens up your business to being sued for claims of property damage. 

As such, you ought to invest in cabinet installer commercial auto insurance as it protects you from having to pay for costs resulting from an auto accident claim. This insurance, which is also bought by fence contractors, will cater for any property damages and medical costs. Additionally, you can also have this customized to include the protection of any passengers you might have onboard. 

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Cabinet Maker & Installer Insurance Cost 

A few factors determine how much you will pay for your cabinet maker and installer insurance. These factors include: 

  • Type of cabinetry work you do that is residential or commercial 

  • Business size and annual revenue 

  • History of claims 

  • Amount of coverage you'll purchase 

  • State where you run your cabinet maker and installer business 


The premium for a cabinet maker and installer general liability insurance is $53 per month or $636 per year. To give you a better perspective, here's a breakdown of how much you will likely pay for a cabinet maker and installer insurance from the best companies in the market:


Cost per MonthCost per YearBest for
NEXT$38$456Best overall; Fastest general liability insurance for cabinet makers and installers
Tivly$38$456Comparing cabinet maker and installer insurance quotes over the phone
CoverWallet$40.12$481Cabinet maker and installer insurance quotes comparison online
Thimble$46.97$564On-demand cabinet maker and installer insurance
Hiscox$50.90$611General liability insurance with worldwide coverage for cabinet makers and installers
Liberty Mutual$52$624Variety of discounts available to policyholders
Travelers$54$648Commercial auto insurance for cabinet makers and installers
Nationwide$56$672A customizable cabinet maker insurance policy

 

Compare quotes to see the offers and pricing of different companies. Do this online by clicking the “Get Quotes” button on this page. 

 

Cost Of Other Types Of Insurance for Cabinet Makers And Installers

For a workers' compensation policy, you will have to pay $65 per month or $780 per year.

The commercial auto policy will cost you $58 per month or $696 per year, depending on the condition of your commercial vehicle and the number of times you are on the road. Your claims history and the number of times you've been involved in altercations will also determine how much you pay for commercial auto insurance premiums. 

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Best Cabinet Maker And Installer Insurance Companies

These are the best cabinet maker and installer insurance companies. Read to know their pros, cons, and rate for a $1 million general liability insurance. 



NEXT Cabinet Maker & Installer Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • 10% discount given if you bundle two or more cabinet maker and installer insurance policies

Cons

  • Couldn’t find any

NEXT sells its cabinet maker and installer insurance online in partnership with Tivly for $38 per month or $696 per year.

 As a policyholder, you have the option of purchasing BOP as a standalone policy or as part of the comprehensive cabinet maker insurance policy. 

If you are a small business owner in the market for fast coverage and the ability to manage your policy online, you must consider NEXT. While only founded in 2016, NEXT is able to handle your claims independently. 

Best for: Best overall; Fastest general liability insurance for cabinet makers and installers 

Average cost: $38 per month 

Our rating: 10/10

 

CoverWallet Cabinet Maker & Installer Insurance

Pros

  • Compare cabinet maker and installer insurance quotes online

  • Comprehensive product liability and medical payments coverage

  • Competitive rates

  • Cancel your coverage anytime 

Cons

  • Not an insurance company but an insurance broker 

CoverWallet’s cabinet maker and installer insurance offers general liability, commercial property, workers compensation, and commercial auto insurance policies. 

This company’s general liability insurance for cabinet makers and installers offers a $1 million coverage for each claim. You also get $2 million product liability coverage, $300,000 rented premises liability coverage, and $15,000 medical payments coverage. 

CoverWallet has an online quotes comparison platform. Use this to look at the rates of different carriers and get adequate coverage at a reasonable price. 

Best for: Cabinet maker and installer insurance quotes comparison online

Average cost: $40.12 per month 

Our rating: 10/10


Tivly Cabinet Maker & Installer Insurance

Pros

  • Responsive customer service

  • Call and compare quotes over the phone

  • You can get the policies of this company from other carriers

Cons

  • You need to call to get a quote

Tivly (formerly CommercialInsurance.NET) offers general liability, commercial property, business owner’s policy, and other insurance policies to cabinet makers and installers. 

This company’s general liability insurance provides up to $2 million coverage. Additional coverages included are products and completed operations, medical payments, and advertising injury coverage. 

Call Tivly now and compare cabinet maker and installer insurance quotes over the phone. 

Best for: Comparing cabinet maker and installer insurance quotes over the phone

Average cost: $38 per month

Our rating: 10/10


Thimble Cabinet Installer Insurance

Pros

  • You can get general liability insurance as a short-term policy

  • Quick to issue an estimate of your rates

  • General liability policy covers business equipment and customer property 

Cons

  • Doesn’t sell commercial property insurance for cabinet installers 

Policies you can avail from this company’s cabinet installer insurance are general liability and workers compensation. 

Thimble’s general liability policy for cabinet installers offers $1 million-$2 million coverage. Upgrade at an additional cost so that general liability insurance provides business equipment coverage and customer property coverage. 

Best for: On-demand cabinet maker and installer insurance

Average cost: $46.97 per month

Our rating: 9/10


Hiscox Cabinet Maker & Installer Insurance

Pros

  • Worldwide coverage

  • General liability insurance comes with terrorism coverage

  • 14-day money-back guarantee 

Cons

  • General liability doesn’t come with products and completed operations coverage

Hiscox covers cabinet makers and installers through its carpenter insurance. You can avail a general liability policy from this. You get $300,000-$2 million coverage. Upgrade this company’s general liability insurance to enjoy terrorism coverage and naming of additional insureds. 

Best for: General liability insurance with worldwide coverage for cabinet makers and installers
Average cost: $50.90 per month 

Our rating: 9/10

 

Liberty Mutual Cabinet Maker & Installer Insurance 

Pros

  • Flexible policy 

  • Competent construction claims professionals with extensive expertise in excess liability 

  • International coverage 

  • Policyholders in New York benefit from having a team with an intimate understanding of New York labor laws 

  • You can reach customer care online or over the phone

Cons

  • Commercial auto claims certification rating is below average 

Liberty Mutual Group is an insurance provider that opened its doors in 1912. It has since written over $12.7 billion in direct premiums as of 2021. 

Whether you are involved in the design or build of cabinetry in owner-controlled projects, contractor-controlled projects, or joint ventures, you want to try out Liberty Mutual cabinet maker and installer insurance that offers these policies. 

  • Workers' compensation

  • Commercial auto 

  • Builder's risk and contractor's equipment 

  • Project-specific programs that combine general liability and professional liability insurance

Best for: Variety of discounts available to policyholders 

Average cost: $52 per month 

Our rating: 9/10

 

Travelers Cabinet Maker & Installer Insurance

Pros

  • Fewer customer complaints than expected 

  • A massive network of over 13,000 independent insurance agents 

  • 24/7 claims reporting and customer service 

Cons

  • The policy is currently only offered in 42 states 

  • Premiums are relatively higher than those of competitors 

If you are a small cabinet maker or installer looking for cabinet maker insurance, you must consider Travelers

The insurer brings to the table an extensive history starting in 1899. Your business will be in safe hands, seeing as Travelers has a strong financial standing and is trustworthy and reputable. 

You can purchase cabinet maker and installer insurance from Travelers, which includes: 

  • Workers' compensation 

  • General liability 

  • Property insurance

  • Commercial truck and auto 

  • Umbrella/excess liability 

Best for: Commercial auto insurance for cabinet makers and installers

Average cost: $54 per month  

Our rating: 8/10 

 

Nationwide Cabinet Maker & Installer Insurance 

Pros

  • Nationwide members get 25% discounts 

  • No hidden charges or fees 

  • A convenient online claims process 

  • Policyholders have access to a 24/7 emergency hotline 

Cons

  • No option to cancel your policy online 

  • Nationwide's commercial auto insurance is relatively more expensive than what's offered by competitors 

Established in 1926, Nationwide offers its cabinet maker and cabinet installer insurance to prospective policyholders in all 50 states for $75 monthly or $990 annually. You can take advantage of a number of discounts to get this premium lower. These discount options include:

  • Paperless billing discount 

  • Vanishing deductible discount 

If you purchase a content cover as part of your property protection policy, you have an option of choosing between two levels of cover-one that is up to $50,000 and the other above this mark. 

Best for: A customizable cabinet maker insurance policy

Average cost: $56 per month 

Our rating: 8/10


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