Woodworking & Cabinet Shop Insurance Coverage Checklist
The coverages a woodworking & cabinet shop 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 woodworking, cabinet, and millwork shops. Priorities reflect typical exposure; confirm against installation work.
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 |
|---|---|---|---|
| Workers' Compensation | Required in most states; saws and machinery drive the largest injuries. | Core | |
| Commercial General Liability (incl. Completed Operations) | Covers installed cabinets and millwork that fall or fail. | Core | |
| Commercial Property & Business Income | Covers the shop, machinery, and lost income after a dust fire. | Core | |
| Inland Marine / Tools & Equipment | Covers tools taken to installation sites. | Prevalent |
The coverage gap most often missed
The most commonly missed exposure for this class is the table saw. CPSC estimates about 54,800 blade-contact injuries a year, many of them finger amputations, and has proposed requiring saws that stop on contact. Amputations drive the largest workers' comp claims in small shops. Shops should consider contact-detection saws, keep guards and riving knives in place, and collect wood dust at every machine to limit fire risk.
Send us the checklist and we'll review your woodworking & cabinet shop coverage line by line, then market it across multiple carriers that compete for your account.
Related: Woodworking & Cabinet Shop Insurance · Woodworking & Cabinet Shop Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a woodworking & cabinet shop business need?
The core coverages for a woodworking & cabinet shop business are Workers' Compensation, Commercial General Liability (incl. Completed Operations), Commercial Property & Business Income. 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 woodworking & cabinet shop 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.