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What is cabinet makers insurance?

Cabinet makers’ insurance– the various types of insurance that cabinet makers often consider– can help business owners manage everyday risks like accidental property damage, damaged tools, and workplace injuries.  

Many years of training go into becoming a professional cabinet maker. The last thing you want is for expensive risks– like an injury or nicked tools– to end your business dreams. 

If paying unplanned bills out of pocket would sand down your profit margins, then you may want to consider business insurance. 

What is cabinet maker insurance

Why do cabinet makers need insurance?

Cabinet makers may need business insurance to meet contractual obligations and cover unexpected legal bills. 

Enter a work site

Work as a contractor or subcontractor

Repair or replace broken equipment

Replace lost income if you’re too injured to work

Who needs cabinet makers business insurance?

BizCover provides insurance for many types of cabinet makers, including:

Joinery & Cabinet Makers 

Kitchen Cabinet Makers

Bathroom Cabinet Makers 

Shop Display Cabinet Makers

Laundry Cabinet Makers 

What types of insurance do cabinet makers need? 

We offer a range of policies designed to cover your business, tools, and stock. Build an insurance package that suits your needs and buy in minutes.

Portable Equipment

Covers you for loss and damage to your tools and stock due to theft, fire and other perils listed in the wording.

Tool cover

Public Liability

Covers costs and legal fees if you negligently cause injury to a member of the public or damage to property.

Public Liability insurance

Contents Insurance

Covers loss or damage to business items at the insured location, such as equipment, stock, machinery, and furniture

Contents coverage

Personal Accident & Illness

Covers individuals for loss of income if unable to work as a result of an injury or illness in or outside of work. Limits apply.

Personal Accident insurance

Business Interruption Insurance

Covers loss of income following an interruption to your business following an insurable event

Business Interruption Coverage

Let’s cover your small business on the go

Start a quote to see how much you can save and buy online in minutes.

How much does insurance for cabinet makers cost?

The average cost of business insurance for cabinet makers is $117 per month with BizCover.  

However, the cost of your insurance will depend on factors, such as the value of your contents and equipment.  

cabinet maker insurance cost

How is the cost of insurance calculated? 

Risks of the industry 

Cover level amount

Annual turnover

Number of employees

Claims history

*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply. 

Get cover that works with the risks of your business

Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.

Cover levels to choose from

  • $5M
  • $20M

Cover levels to choose from

  • $500 weekly benefit (accident only)
  • $4K weekly benefit

Underinsurance

We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.

Ways underinsurance catches business owners out:

Inflation

With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.

Not covering the full cost of your risks

If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.

Cost of cabinet maker insurance

Factors influencing cost

Risk of the industry

Cover level amount

Annual turnover

Number of employees

Claims history

Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.

Get cover that works with the risks of your business

Select different cover amounts for each policy listed below.

This is the most you will be paid out if you need to make a claim. 

Cover levels to choose from

  • $5M
  • $20M

Cover levels to choose from

  • $500 weekly benefits (accident only)
  • Up to $4K weekly benefit

Unsure how much to choose? Think about:

Statutory professional requirements

Cover required by contracts

Number of employees being covered

Your contract value

Worst case scenario claim size

Underinsurance

We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.

Ways underinsurance catches business owners out:

Inflation

With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.

Not covering the full cost of your risks

If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.

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See how much others have saved while purchasing policy through BizCover

Colette

Disability Care Worker from

NSW

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$1,200

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VIC

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$1,500

on

Business insurance Pack and,
Public Liability and Professional Indemnity insurance

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$3,600

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Electrician from

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$800

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Electrician saved $800 on Public Liability insurance
Stephen

IT Professional from

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$1,500

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IT Professional saved on IT Liability with BizCover
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Restaurant owner from

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$1,000

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Restaurant owner saved in Business Insurance with BizCover

Frequently Asked Questions

As with many trades, it may be a legal requirement to have Public Liability insurance in place before you undertake a contract or step on site. 

Public Liability insurance is designed to provide protection for you and your cabinet making business if a customer, supplier or a member of the public brings a claim against you after they are injured or sustain property damage as a result of your negligent business activities.  

No matter how much care you take to secure them, the unfortunate reality is tools get stolen from work sites all the time and replacing them is an added expense your business can do without. 

With Portable Equipment cover (general property insurance) you can insure specified items such as tools, business equipment or electronic items. Portable Equipment is an optional cover available through a Business Insurance Pack. 

Your clients bring in your income, but where would you be without your business assets?  

Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. 

As a cabinet maker, you rely on your body to work. Personal Accident and Illness insurance can provide different levels of cover for loss of income if you are unable to work as a result of an unexpected injury or illness, become permanently disabled even pass away (even if it occurs outside of your employment).  

Still have questions? Visit our contact us page to reach one of our friendly business insurance experts. 

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