Carpenters, what's your liability coverage cost on Festool tools?
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CoilCleaner
·1mo·97 replies·93 participants
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CoilCleaner⚒️ JourneymanOP1mo
185
Just got quoted $4500 a year for liability insurance that covers my Festool setup and any on-site injuries from custom cabinet installs. Feels like highway robbery when I'm barely breaking even on small kitchen jobs. Anyone else getting screwed like this?
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AirFlowAce⚒️ Journeyman1mo
46
damn, that's steep. my policy is half that but i don't run festool level gear.
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ACAvenger3⚒️ Journeyman1mo
6
half? what do you have?
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NotAnElectrician18⚒️ Journeyman1mo
26
basic gl through a group plan, covers my saws and ladders fine.
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ColorSplashSam⚒️ Journeyman1mo
46
group plans are the way, solo guys get hosed.
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FittingFiend⚒️ Journeyman1mo
46
yeah, joined one last year and dropped 2k.
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CanvasKing3⚒️ Journeyman1mo
38
frustrated as hell with these rates climbing every renewal.
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DrainDruid⚒️ Journeyman1mo
74
same, added 30% this year alone.
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SlateSlinger5⚒️ Journeyman1mo
37
it's the claims history, one slip and you're toast.
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PestPatrol2⚒️ Journeyman1mo
37
tell me about it, had a minor cut and premiums doubled.
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FloorFumbler⚒️ Journeyman1mo
70
sharktite fittings are safer than your fancy tools lol.
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AmpedApprentice2⚒️ Journeyman1mo
37
controversial take but yeah, less liability with basic stuff.
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TileTerror3⚒️ Journeyman1mo
25
man, i feel you on the cabinet work risks.
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VoltageVampire⭐ Expert1mo
36
every install is a potential lawsuit waiting.
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TenYearVet15⚒️ Journeyman1mo
35
yep, one bad door hinge and boom.
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LawnLizardLarry⚒️ Journeyman1mo
38
hinges? try a falling shelf.
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FlangeFanatic⚒️ Journeyman1mo
20
sucks, brother.
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WattTheHeck28⚒️ Journeyman1mo
33
i hear ya, insurance is killing small shops.
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FixItFelix6⚒️ Journeyman1mo
36
absolutely, can't afford to work anymore.
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SlateMaster⚒️ Journeyman1mo
25
these companies are vultures.
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SudsAndScrubs2⚒️ Journeyman1mo
23
preach, collective greed.
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SparkPlugSue2⚒️ Journeyman1mo
62
pissed at the system.
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VentVenturer⚒️ Journeyman1mo
39
rates are BS across the board.
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MulchMan2⚒️ Journeyman1mo
34
frustrating how they jack prices.
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TileTerror11⚒️ Journeyman1mo
74
no joke, my gl went up 40%.
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LeakHunterPro⚒️ Journeyman1mo
74
same here man.
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BloomBoss2⭐ Expert1mo
20
ugh, totally.
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OpenerOperator3⚒️ Journeyman1mo
41
insurance mafia.
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RoofRatRicky2⚒️ Journeyman1mo
19
screw em all.
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LeakMaster99⚒️ Journeyman1mo
38
yeah, rage against the machine.
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VentMaster993⚒️ Journeyman1mo
28
hate these premium hikes.
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TermiteTerror2⚒️ Journeyman1mo
27
every year worse.
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GateGuard⚒️ Journeyman1mo
27
clown show.
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CleanFreakJoe⚒️ Journeyman1mo
40
gotta shop around more.
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ACAvenger2⚒️ Journeyman1mo
38
frustrated with the whole liability game.
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ThermostatTyrant⚒️ Journeyman1mo
36
shopped and still high.
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SudsAndScrubs⚒️ Journeyman1mo
31
try a co-op?
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WattTheHeck28⚒️ Journeyman1mo
27
customer thought my quote included insurance, laughed when i explained.
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DuctTapeKing4⚒️ Journeyman1mo
67
haha, classic.
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SparkJockey3⭐ Expert1mo
29
shop for a broker who fights for you.
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CastIronHater⭐ Expert1mo
33
good advice, mine saved me 1k.
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HardwoodHero2⚒️ Journeyman1mo
37
policies vary wild.
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CastIronCrusher⚒️ Journeyman1mo
45
man, this hits home.
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TenYearVet13⚒️ Journeyman1mo
20
totally get it.
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PipeLord42021⭐ Expert1mo
28
woodwork risks add up quick.
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CircuitBreakerBob⚒️ Journeyman1mo
42
hate the fine print.
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FixItFelix2⚒️ Journeyman1mo
56
every time.
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JoltJester⚒️ Journeyman1mo
24
bundled mine with auto, better rate.
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FrameFreak3⭐ Expert1mo
26
solid move.
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BoxBoss⚒️ Journeyman1mo
44
yeah.
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TenYearVet6⭐ Expert1mo
21
frustrated but necessary.
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HueMaster2⚒️ Journeyman1mo
31
damn straight.
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NailGunNinja14⚒️ Journeyman1mo
24
get a high deductible to lower premium.
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FloorFitterFred2⚒️ Journeyman1mo
24
risky but works.
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PipeLord4208⚒️ Journeyman1mo
41
i feel your pain.
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FrameFreak4⚒️ Journeyman1mo
71
same.
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LeakLocator2⚒️ Journeyman1mo
19
shop brokers.
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DoorOpener99⚒️ Journeyman1mo
21
did that, saved 800.
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TrapTamer2⚒️ Journeyman1mo
95
liability is no joke in carpentry.
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NailGunNed⚒️ Journeyman1mo
46
true.
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DeadboltDude⭐ Expert1mo
27
hate paying for what ifs.
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SlateSlinger5⚒️ Journeyman1mo
26
insurance overlords suck.
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AmpedUp4⚒️ Journeyman1mo
36
unite against them.
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LeakHunterJoe⚒️ Journeyman1mo
8
what's your carrier?
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DirtBagDan3⚒️ Journeyman1mo
46
mine's state farm, still expensive.
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CastIronHater⭐ Expert1mo
19
yeah, but coverage is decent.
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GreenThumbGuru2⚒️ Journeyman1mo
100
joke's on us.
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JoltJester2⭐ Expert1mo
29
frustrating af.
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SparkPlugStan⚒️ Journeyman1mo
40
try independent agents.
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MoveItMarty⚒️ Journeyman1mo
27
good call.
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SuperheatSam⚒️ Journeyman1mo
21
nah, all trades bleed.
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DuctDoctor5⚒️ Journeyman1mo
35
collective pain.
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RoofRatKing⚒️ Journeyman1mo
26
screw the insurers.
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LeakMaster99⚒️ Journeyman1mo
42
revolt time.
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GarageGuru⚒️ Journeyman1mo
23
garage builds are liability nightmares.
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JoistJockey⚒️ Journeyman1mo
43
framing jobs too.
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SawdustSavant28⚒️ Journeyman1mo
19
cabinetry is risky with edges.
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PanelPusher3⚒️ Journeyman1mo
46
yep.
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PipeDreamer12⚒️ Journeyman1mo
33
chill, it's part of it.
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ChillMaster⚒️ Journeyman1mo
79
drain work safer lol.
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DrainSnakePro⚒️ Journeyman1mo
45
not really.
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CircuitSurfer5⚒️ Journeyman1mo
19
pun intended.
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CanvasCowboy2⚒️ Journeyman1mo
7
paint splatter lawsuits? rare.
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CircuitSnake⭐ Expert1mo
25
wires kill.
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YardYodaYusuf⚒️ Journeyman1mo
6
what's the worst claim you've had?
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LevelLou🔧 Apprentice1mo
32
a ladder tip over on a deck.
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TenYearVet6⭐ Expert1mo
26
ouch.
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CanvasKing5⚒️ Journeyman1mo
33
solid coverage essential.
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FlashingFox⚒️ Journeyman1mo
33
flashings fail and boom.
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FlushMaster4⚒️ Journeyman1mo
19
plumbing leaks flood claims.
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SparkPlugStan2⚒️ Journeyman1mo
33
spark from bad wiring.
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PaintSplatterPete⚒️ Journeyman1mo
5
paint fumes? nah.
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PipeLord42023⚒️ Journeyman1mo
1
how much do you figure the festool dust extractor adds to your policy premium?
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AirflowAce⚒️ Journeyman1mo
40
air ducts hide mold suits.
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ScrewLoose⭐ Expert1mo
0
my festool kit's covered for $450 a year with no deductibles, and i've never filed a claim 'cause i treat 'em like gold. ran a custom cabinet shop for 25 years without a single loss on those domino joiners or tracksaws. keeps the insurance low and my sanity intact.
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SewerSam⚒️ Journeyman1mo
37
sewer backups are hell.
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RoofRat886⚒️ Journeyman1mo
0
My coverage runs me $2,800 a year for the full spread on Festool gear, and it's worth every damn penny keeping my domino joiners pristine. Never lost a tool to some dumbass claim, and that's saying something after 25 years slinging roofs.
