Handcrafted Furniture Maker Insurance

Protect your custom woodworking business with specialised coverage built for California furniture artisans.

Coverage Crafted for Your Craft

As a handcrafted furniture maker, your work is as unique as the clients you serve. Whether you’re building bespoke dining tables, rustic coffee tables, or elegant armoires, your pieces carry your name—and your risks. Accidental damage, delivery mishaps, and product liability can all threaten your reputation and your business.

That’s where Handcrafted Furniture Maker Insurance comes in. Designed specifically for independent furniture builders and custom woodworkers, this coverage helps safeguard your shop, tools, materials, and final products against a wide range of financial risks.

"A" Rated Coverage

Excellent Service

Same Day Certificates

What Does Handcrafted Furniture Insurance Cover?

As a furniture artisan, your insurance plan should reflect both your craftsmanship and business operations. Key coverages include:

General Liability Insurance
Essential protection in case someone gets injured on your premises or claims your product caused damage. Covers legal fees and settlements.
👉 General Liability Insurance California
Business Owner’s Policy (BOP)
Combines general liability with commercial property coverage for your workshop, tools, raw lumber, and finished inventory. Great for sole proprietors and growing studios.
👉 BOP Insurance California
Contractor Insurance
If you also install or deliver your furniture, this policy covers jobsite-related risks, transportation liability, and client property damage.
👉 Contractor Insurance California
Surety Bond Insurance
Needed if you’re bidding on custom projects or commercial furniture installations. Demonstrates financial accountability and contractual responsibility.
👉 Surety Bond Insurance California

Why You Need Insurance as a Furniture Maker

Creating handcrafted furniture involves more than woodworking—it’s also a business. Common risks include:

Customer injuries in your studio or showroom
Product claims over structural failure or finishes
Fire, theft, or water damage to your shop and materials
Accidents during delivery or on-site setup

With Handcrafted Furniture Maker Insurance, you gain financial protection to continue your work without worrying about unexpected claims or losses.

Coverage You Can Rely On

Smart Protection That Keeps You Moving

Shield your business from the financial burden of workplace injuries with dependable Workers’ Compensation Insurance built for California businesses.

People-First Safety Protection

Support your employees with insurance solutions that prioritise health, recovery, and your legal peace of mind—while helping you reduce downtime and avoid costly claims.

Compliance Without Compromise

tay fully covered and legally compliant with workers’ comp insurance designed to meet California’s strict requirements—so you can focus on growing your business.

Frequently Asked Questions

Do I need insurance if I don’t have a retail location?

Yes. Even home-based or studio-based furniture makers can be sued for injuries, product defects, or damage caused during delivery or setup.

Will my woodworking tools and inventory be covered?

Yes, a BOP covers your saws, sanders, routers, wood inventory, and finished furniture against covered losses like theft, fire, or vandalism.

Is this insurance only for full-time furniture makers?

No. Whether you’re a full-time artisan or part-time craftsman selling on commission or Etsy, coverage can be tailored to fit your operations.

Areas We Serve

We proudly provide carpenter insurance across California, supporting contractors in cities like Los Angeles, San Diego, San Jose, Sacramento, and beyond. Wherever your job site is, we’re here to deliver trusted coverage and expert support tailored to California’s carpentry industry.