Cabinet Store Insurance Coverage Checklist
The coverages a cabinet store business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for kitchen and bath cabinet stores. Priorities reflect typical exposure for this class; confirm against your actual products, locations, and operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability | Covers showroom traffic and in-home measuring visits. | Core | |
| Products-Completed Operations | Covers wall cabinets that detach after install. | Core | |
| Workers' Compensation | Covers lifting and delivery injuries. | Core | |
| Commercial Auto | Covers box-truck deliveries. | Core | |
| Business Personal Property | Covers showroom displays and warehouse stock. | Core | |
| Design E&O | Covers mismeasurement and specification errors GL excludes. | Prevalent | |
| Installation Floater | Covers cabinets staged at job sites. | Prevalent | |
| Vendors Endorsement | Passes defect claims back to cabinet makers. | Prevalent | |
| Subcontractor Insurance Review | Avoids uninsured-installer exposure. | Prevalent | |
| Business Income | Covers showroom or warehouse loss. | Prevalent |
The coverage gap most often missed
The gap most often missed by cabinet stores is design error. The cost of re-ordering mismeasured cabinets is economic loss from your own work, so GL doesn't respond, and few dealers that design and measure carry design E&O. These disputes turn on drawings and measurements — exactly what E&O defends.
Send us the checklist and we'll review your cabinet store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Cabinet Store Insurance · Cabinet Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a cabinet store business need?
The core coverages for a cabinet store business are General Liability, Products-Completed Operations, Workers' Compensation, Commercial Auto, Business Personal Property. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my cabinet store coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.