Carpenter Measuring | Texas Carpenter Insurance Carpentry | Hettler Insurance Agency, Lubbock Texas

Don’t Go Against The Grain By Skipping Carpentry and Cabinets Installer Insurance

Texas Carpenter & Cabinet Installer Insurance

If you work in any part of the carpentry industry (cabinet installer, cabinet repair, custom carpentry, furniture maker, etc.) carrying the right Carpentry and Cabinets Installer Insurance coverage is essential. Why? There’s just too much that can go wrong, from injuries on a job site to damaged property to natural disasters. When an incident occurs and your business is held liable, the results could be financially devastating. Medical bills, repairing or replacing damaged property, and expensive legal fees are just some of the obstacles you may face. Plus, some types of insurance are required to legally operate your business.

You can’t completely prevent disaster, but you can make sure you have adequate protection with carpentry insurance.

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Drilling Wood | Carpenter Insurance in Texas | Hettler Insurance Agency, Lubbock Texas

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Types of Carpentry & Cabinet Installation Insurance

Selecting a carpentry and cabinets installer insurance policy from Hettler provides coverage that helps you sleep at night. 2019 estimates for a standard size kitchen run $4,000 to $13,000 for new cabinets. That’s a lot of money at stake on a single project. In addition, cabinets and other carpentry projects are very visible to homeowners and general contractors. The final design and quality are subject to disagreement. Scroll down to see some important types of insurance policies that are recommended for woodworking businesses in Texas.

For Comparison, Here’s The Average Cost of Kitchen Cabinets in 2023:
“On average, kitchen cabinets range from $3,750 to $10,200, with most homeowners spending around $7,200. (Look at those numbers from 2019. Did the cost actually decrease? No way!) From stock cabinets to semi-custom and full-custom cabinetry, there is a wide range of options available that can fit any budget.”

— We Speak Insurance-ese.
— (We’ll translate, so you don’t have to.)

Drilling Wood | Carpenter Insurance in Texas | Hettler Insurance Agency, Lubbock Texas

Contractors General Liability Insurance

General Liability Insurance helps protect an independent contractor against damage or injury claims. In Texas, contractors should carry this type of insurance policy before starting any job, and is required on almost all commercial jobs. It’s also a requirement of most landlords if you are leasing a workspace. Even if doing carpentry for residential clients, most will ask and verify cabinet installers are insured. Keep in mind, this type of coverage differs from other types of business and liability insurance, so don’t make the mistake of assuming you are covered.

Next, keep in mind your personal auto insurance doesn’t cover a business vehicle. If you don’t have a dedicated work van and use a vehicle for personal and commercial use, you can still be at risk. If you’re involved in an accident during a job or on the way to or from a project, you run the risk of getting sued and facing costly medical and legal expenses. Commercial Automobile Insurance pays for any repairs, medical costs or legal fees required if your vehicle and crew get in an accident.

In Texas, Workers Compensation Insurance (workers comp) is not required by law as of 2019. However, workers comp is good for your employees AND provides a big advantage for employers. If one of your workers is injured on the job, this coverage provides medical treatment plus payment for lost time and/or disability. This can include: hand and finger lacerations, eye damage, long-term impact on knees, tennis elbow, lower back injuries, etc. Offering worker’s comp also means your employees and subcontractors are not motivated to sue after a medical emergency. It replaces legal liability with no-fault insurance, protecting from lawsuits and aiding workers when they need it most.

Lastly, be sure to ask us about Tools Coverage through a Business Owners Policy. This type of insurance guards against theft, vandalism and physical damage to your equipment. Some policies will even cover tools and materials in transit (i.e. new cabinets damaged on the way to a residential home). Think about all of the tools you require for a project (nail gun, circular saws, lathes, power drills, jigsaws, sanders, etc.). Can your business continue if one of these tools is damaged? What if the entire truck is stolen? With tools coverage, replacement or repair of your equipment is included.

If any of this sounds confusing or feels like a lot remember, contact Hettler Insurance Agency with any questions and we’ll help make sure you and your business are completely covered and meet Texas legal requirements.

We speak insurance-ese. We’ll translate, so you don’t have to.

Testimonial from Owner of KJ Works

Company: KJ Works

Policies with HIA: General Liability, Contractors Policy, Inland Marine, Commmercial Auto and Worker’s Comp.

Industry: Residential and Commercial Construction

Working with Hettler Insurance Agency has made my life less stressful in various ways. I was switching over from a previous insurance company and they made sure to find me the best prices that would benefit me in the long run. If I ever have any questions about anything regarding my policies, HIA is very easy to get in contact with.
JUSTIN KORB, CEO, KJ Works

Choose Your Insurance Type!

Vehicle Insurance

Insurance protection for the vehicles that matter most to you.

– Auto Insurance – We insure thousands of cars, trucks, vans, and commercial vehicles used in all types of businesses.
– Motorcycle Insurance – Start your Motorcycle riding experience with insurance through Hettler.
– ATV and Motorsport Insurance – Does it have a key? Is it a dirt bike? We have a program to cover it.
– Classic Car Insurance – Classics and antique vehicles require special coverages. We represent a couple of different carriers to cover them.
– RV and Mobile Home Insurance – Big values traveling down the road? No problem. We handle the big risks all the time.
– Boat and Watercraft Insurance – We cover boats of all sizes.

Property Insurance

Insurance protection for the property that matters most to you.

– Homeowners Insurance – Your home is your castle. Protect your most valuable asset with quality coverage.
– Condo Insurance – Condos are a little different. Call us to get your specialized coverage!
– Renters Insurance – Fires in apartments and rental homes are way too common. Renter’s coverage is really reasonably priced.
– Landlord Protection ™ – Renting your home? Protect yourself with landlord insurance.
– Flood Insurance – You have to have a separate policy to cover flood… It can happen even here in the desert.
– Storm & Hail Insurance – Texas has had thirty-six $100,000,000 or larger disasters from severe storms in the past 25 years and more than 80% of the time, hail was to blame for the damage.
– Earthquake Insurance – Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. Most home insurance policies do not cover earthquake damage. Good news, earthquake insurance can be inexpensive.

Commercial & Business Insurance

Coverage that helps protect your business

– Business Owners Policy (BOP) – Lubbock County is in the top 10 for commercial property damage due to wind, hail and dust storms; and the top 10 for commercial auto comprehensive claims due to weather; and the top 10 for lightning storm damage.
– General Liability Insurance (GL) – Insurance coverage for when you or your products hurt someone or damage property.
– Commercial Property Insurance – Coverage against Fire, Wind, Hail, and many other perils.
– Business Auto Insurance – Cover your business with insurance for commercial and business vehicles.
– Commercial Liability Insurance – also known as “general liability insurance” is a broad policy that covers a number of liability exposures of a business. Business liability insurance is often the first line of defense against lawsuits from customers, allowing an owner to protect both personal and business assets.
– Commercial Umbrella Insurance – Insurance coverage that gives an extra layer of liability protection from the rising costs of lawsuits.
– Workers’ Compensation Insurance (workers comp) – Medical bills and lost income Insurance coverage that helps you take care of injured employees.
– Cyber Security Insurance – In an era of leaked embarrassing online photos, confidential emails and digitally internet connected employees and customers, it’s no wonder businesses (of all sizes) are rushing to cover themselves with cyber liability insurance.
– Surety Bonds – Get your notary bond, your contractor’s bond, your bid bond, or your performance bond from Hettler Insurance Agency.
– Contractor’s Insurance – Many contractors operate out of the home and may not require commercial property insurance. Instead, contractors typically perform work at the customer’s location. This can be a residential home, a construction site or a commercial property.
– Builder’s Insurance – With a good Builder’s Risk policy, the structure, materials and equipment are protected from theft, vandalism and weather damage during the construction phase.

Life/Health Insurance

Insurance protection for your family’s health.

– Health Insurance – Insurance for you, your family, and your pocketbook. Uncovered medical costs can bankrupt you.
– Personal Umbrella Insurance – An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. You may need this in case of a car wreck involving a fatality, etc. For a minimal cost, you can protect your assets, and your future earnings.
– Whole Life Insurance – Life insurance coverage designed to be there for your whole life.
– Term Life Insurance – Insurance protection to help keep your family secure for a specific period of time.