Woodworker Business Owners Risk

An authentic woodworker has to possess both artistic sensibilities and a gift for knowing how to create a piece that can be used within a home. A business owner’s policy for a woodworker provides you, as a talented artisan, with valuable protection in key areas of your business. While you work at this time-honored craft, the last thing you want on your mind is insurance.

That’s why this practical business owners insurance policy (or BOP as it is known in insurance circles) fits in perfectly with your profession. It includes all of the protections of general liability plus so much more that is directly related to what you do and what your business stands for every day

Woodworker Business Owners Insurance

BOP insurance for woodworkers

One of the best things about a business owners insurance is that it combines protections under one comprehensive insurance package as opposed to maintaining several different policies for the same coverages. This can also make it a more affordable insurance option for woodworkers. Examine the list below to see the many protections you will receive under the business owners insurance including woodworker property and tool insurance coverages.

Business Liability

This includes all of the valuable general liability coverages including paying for medical bills if someone gets hurt while in your shop and compensating for damage to any structure you leased or rented. GL also takes care of attorney’s fees, court costs and any damages you may be found liable for.

Business Personal Property

The contents inside buildings are covered including tools or machinery that gets damaged from a covered loss. The policy will specifically define what is covered and what is not covered (This might be pets, cash or contraband.)

Building and Structures

The all-encompassing business owners insurance coverage insures you in the case of any losses resulting from damages to your property and/or structure. This would include fire, vandalism and other related situations. The coverage extends to any additions or improvements you made to your property as long as they were permanent.

In addition, if the business grows and you decide an expansion is necessary, your BOP protection will come right along with you, covering your new facilities.

Business Income and Expense Coverage

This valuable protection will restore your income in the event of a situation that results in you having to close down tempo rarily. It also provides for any extra expenses.

Valuable Papers, Documents and Receivables Coverage

If hard copies are damaged, this coverage pays the restoration costs of those documents.  Accounts receivable coverage refers to money owed to you by your customers that might be uncollectible because a covered peril has damaged the accounts receivable records.

Employee Dishonesty Coverage

If a wayward employee causes problems for a client and you are sued because of it, this part of the business owner's insurance coverage will pay for any litigation and settlement expenses that arise.

Other Important Coverages

  • Newly Acquired or Constructed Buildings
  • Equipment Breakdown
  • Products and Completed Operations
  • Electronic Data
  • Tools
  • Tenant betterments and Improvements
  • Outdoor Signs
  • Inland Marine
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Business Information (Required)
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Part Time Employees
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