People who reface and refinish cabinets are not only professionals, they're also artists. Having the skill to make something old into new is nearly priceless. And it can be an extremely profitable business too. When you work for clients in their homes, or in commercial spaces though, things can happen that put your business at risk. Cabinet refacer & finisher insurance is the tool you need when this happens.
If an accident happens while you're providing refurbishing services to clients' cabinets, your company could be held liable both financially and legally. But when you have general liability insurance, it covers these accidents for you so that you're not left to do it alone. This is base coverage recommended for businesses of all types and sizes, because it covers accidents that cause people to be physically injured, or property to be damaged.
Claim Example: What's Covered?
As a business owner, you have a myriad of physical assets that need protection too. When you add property protection to your general liability insurance policy, it's called a Business Owners Policy, or BOP. With this coverage, if an accident or unexpected event damages something your business owns, your insurance will pay to repair or replace it.
Claim Example: What's Covered?
For example, you have a fire in your cabinet workshop and it destroys inventory, tools, and finishing materials.
Or, theives break in and steal expensive refubishing equipment.
Perhaps a bad storm hits and causes water damage from flooding, and your business must be shut down for a few weeks while things are repaired.
Workers' compensation insurance covers medical costs and lost wages if you or your employees sustain injuries during cabinet refinishing or installation projects. Required in most states, it ensures financial protection against significant costs related to workplace injuries.
Claim Example: What's Covered?
Cabinet refinishing businesses may require additional coverage tailored to industry-specific risks, including:
How much does cabinet refacer & finisher insurance cost?
The amount you'll pay for your refinishing business depends on what state you operate from, how large your company is, and what specific coverage you need.
What is a certificate of insurance?
You can't win certain types of contracts without this, which proves you have the right kinds and levels of insurance for the project you're bidding on.
Is workers' compensation required for cabinet refinishers?
Yes, this is mandatory in most states no matter what type of employees you have.
Does insurance cover damage to client property during a project?
Yes, that's covered by your general liability policy.
Is my equipment covered during transportation?
Yes, inland marine insurance covers equipment in transit.
What's the difference between general liability and professional liability?
General liability covers other people, and other people's property when something you do causes injuries or damages. Professional liability covers other people's finances if you make a professional mistake.
Do I need pollution liability coverage?
Yes, if your refinishing process involves chemicals or hazardous materials.
Choosing USA Insurance for your cabinet refacing & finishing business means partnering with a leader in commercial insurance:
Let our experts help secure your cabinet refacing and finishing business today.
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