St. Louis Furniture Maker Says Insurance Fight Keeps It From Growing on USA Demand

Martin Goebel, owner of Goebel Furniture in St. Louis, told NBC News that a long fight with his insurer over storm damage has kept his business from taking on large contracts at a time when tariffs could have helped it, in a report published July 30, 2025.

What happened

Goebel said a 2021 storm tore off part of his building’s roof, and he has covered machines and unfinished furniture with tarps every night since. His policy with Cincinnati Insurance Co. included $1 million for the building and $200,000 for business property, he said, but he has received about $50,000. He sued in 2021, and a jury trial was set for Aug. 18, 2025.

Cincinnati Insurance told NBC News it pays claims “quickly and fairly” and said in a court filing that hail or wind damage is “an open question of fact.” NBC News’ Climate Unit confirmed a hailstorm hit St. Louis in the period Goebel described.

Goebel said he laid off 75% of his staff, took a second job teaching at Washington University and turned down several large contracts because of the condition of his facility. He has built furniture for clients including Nike and Tommy Bahama.

“Manufacturers like us are ready — we have the expertise, the infrastructure and the ambition to expand.”

Martin Goebel, Goebel Furniture, to NBC News

Why it matters for Made in USA

Policy can raise demand for domestic goods, but small manufacturers still need working buildings, equipment and capital. A single uninsured loss can stop a business from taking the orders reshoring is supposed to create.

Goebel’s case also shows a gap in the reshoring push: risk protection for small makers. Insurance, financing and access to capital decide whether a small shop can take on large orders.

FAQ

What is Goebel Furniture?

A St. Louis furniture maker founded by Martin Goebel nearly 15 years ago that uses USA materials, according to NBC News.

What is the dispute about?

Goebel says Cincinnati Insurance has not paid for 2021 storm damage. The insurer says in court filings that the cause of the damage is disputed.

How has it affected the business?

Goebel said he laid off 75% of his staff and turned down several large contracts.