Your Risk Doesn't End When the Cabinetry Leaves the Workshop

A custom kitchen installed months ago develops a fault that damages flooring underneath.

Public and products liability is built for exactly this — it responds to a defect in something you've made, even after you've packed up and left.

Most cabinet makers insure the workshop well and underinsure the product once it's out the door.

What We Arrange for Cabinet Making & Joinery Businesses

We compare your risk across a panel of insurers and put together insurance covering both the workshop and the install. For most cabinet making and joinery businesses, that means:
Public & Products Liability

Responds to injury or property damage from your work, including faults in cabinetry that show up after install. Most builders and commercial clients require proof of cover before you're on site.

Commercial Vehicle or Motor Fleet

Covers the vehicles you rely on to deliver and install finished cabinetry, against accident, theft and damage.

Workshop Machinery & Commercial Property

Covers fixed machinery breakdown — table saws, CNC routers — plus tools and equipment carried to install jobs, and the contents of your workshop against fire, theft and damage.

Workers Compensation

A statutory requirement the moment you employ workshop staff or installers. Requirements and premiums vary by state — we help you get this right for your jurisdiction.

1.2k+

Clients across Australia

100+

Insurers & Underwriters

120+

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Cabinet Maker & Joinery Insurance FAQ

Do I need public liability as a sole trader?

Yes — public and products liability isn't about how many people you employ, it's about the risk you create for other people and their property while you're working. Most head contractors and commercial clients will require proof of insurance before they'll let you on site, solo operator or not.

How do I get a certificate of currency?

Once your policy is in place, we can issue a certificate of currency on request — most clients and head contractors will ask for one before you start a job.

I have an apprentice — are they covered?

Workers compensation becomes a statutory requirement the moment you employ anyone, including an apprentice. Requirements and premiums vary by state — we help you set this up correctly for your jurisdiction.

What's the difference between public liability and professional indemnity for electrical work?

Public liability responds to physical injury or property damage from your work. Professional indemnity responds where the claim is about advice, design, or certification — for example, signing off work that turns out not to meet code. Many electrical contractors need both.

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Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

Company

HEAD OFFICE

Backed by the strength of Steadfast

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The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.

Logo

Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

Company

HEAD OFFICE

Backed by the strength of Steadfast

Steadfast logo

The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.