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Cabinet stores sell kitchen, bathroom and file cabinets made of wood and/or metal, plus related items such as knobs, handles, shelves, shelving tracks and hinges. Cabinets sold in these establishments are manufactured elsewhere. Separate companies typically perform cabinet installation services for customers.

General Liability Insurance for Cabinet Stores – Cabinet stores should properly anchor the cabinets, lighting, and related displays so they are secure. All merchandise and displays should be free of any sharp edges or points as well as any other defects that could result in injury. If a damaged display or furnishing cannot be immediately fixed or removed, it should be tagged with a warning instructing that it should not be used. Aisle space should be wide enough and clear to prevent customer trips and falls. A completed operations exposure will exist if installation services are provided.

Workers’ Compensation Insurance for Cabinet Stores – Employees of cabinet stores may be injured when setting up displays like hanging cabinets, shelves, or lighting fixtures. Employees should ask for help when setting up such displays. Caution should be used when using electrical tools such as drills. Employees who install cabinets, shelving, and related items at the customers’ premises will be at increased risks of injury. On the job training should be provided for installation procedures. Proper lifting education and training should also be provided for all employees of cabinet stores.

Business Auto Insurance for Cabinet Stores – Employee use of business owned vehicles will result in elevated auto risks for cabinet stores. A driver recruitment policy should be in place with MVRs run prior to allowing driver status. Ongoing MVR monitoring should also be required for all drivers. An inspection and maintenance program should be implemented for all vehicles.

Property Insurance for Cabinet Stores – The design, construction, and layout of the cabinet store building is governed by local fire codes, which often follow national standards such as NFPA. The standards vary for the fire rating protections that must be offered by walls, ceilings, and floors to impede the spread of fire depending on the circumstances. Ignition sources should be controlled with a “no smoking” policy and regular inspections for frayed wires or malfunctioning electrical systems.

Crime Insurance for Cabinet Stores – Check fraud and credit card fraud can be prevented at cabinet stores by using electronic verifications services and checking identifications of customers. Frequent inventory audits should be performed to reduce employee theft. Employees of cabinet shops should be informed that dishonest employees will be prosecuted and there will be zero tolerance for employee theft.