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Why do wood manufacturers need insurance?
Whether your focus is millwork, a lumberyard, or furniture manufacturing, your industry is filled with potential liability. Business insurance helps wood manufacturers survive lawsuits, injuries, fires, and damaged machinery. Some policies, such as workers' compensation, are required by law.
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Insureon helps wood manufacturers compare small business insurance quotes from top U.S. carriers online.
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What types of insurance do wood manufacturers need?
These insurance policies cover common wood manufacturing risks.
General liability insurance
A general liability policy covers basic wood manufacturing risks, such as customer property damage and injuries. To save money, bundle it with commercial property insurance in a BOP.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for wood manufacturers to buy general liability coverage and commercial property insurance together.
BEST FOR
- Harm caused by wood products
- Business property damage
- Business interruption incidents
Workers’ compensation insurance
Most states require workers' comp for wood products manufacturers that hire employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Cyber insurance
Cyber insurance helps wood manufacturers recover financially after a data breach or cyberattack. It's strongly recommended for any business that stores customer information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Data breach investigations
Commercial auto insurance
This policy covers the cost of an accident involving a vehicle owned by your wood manufacturing business. Almost every state requires this coverage for vehicles owned by a business.
BEST FOR
- Medical bills from an accident
- Property damage caused by your vehicle
- Auto accident lawsuits
Commercial umbrella insurance
Umbrella insurance boosts coverage on a manufacturer's general liability insurance, commercial auto insurance, or employer’s liability insurance once the limit is reached.
BEST FOR
- Customer injury lawsuits
- Auto accident lawsuits
- Employee injury lawsuits
Looking for different coverage? See more policies.
How much does insurance cost for manufacturers?
A woodworking shop with a few employees can expect to pay less for insurance than a large sawmill.
Factors that affect premiums include:
- Type of business, such as pallet manufacturing or truss manufacturing
- Business property and equipment
- Business income
- Types of coverage purchased, such as equipment breakdown insurance
- Policy limits and deductibles
How do I get wood manufacturing insurance?
It's easy to get wood manufacturing business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your wood manufacturing business, whether you work independently or hire employees.
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