Business Insurance for Furniture Stores

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A fire that destroys sofas, beds, and other inventory could devastate your shop. Furniture store insurance provides financial protection against property damage, lawsuits, and injuries.

Chairs, lamps, and other furniture on display.
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Multiple quotes with one application

Insureon helps furniture store owners compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do furniture stores need?

These policies cover the most common risks of owning a furniture store.

Business owner’s policy icon

Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for furniture stores to buy general liability insurance and commercial property insurance together.

  • Customer injuries
  • Furniture damage or theft
  • Business interruption incidents
General liability insurance icon

General liability insurance

General liability insurance covers common third-party risks, such as a customer who trips over an end table on display and sues your furniture store.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for furniture stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Employee injury lawsuits
Cyber liability insurance icon

Cyber liability insurance

This policy helps furniture and home decor stores survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.

  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance boosts coverage on your furniture store’s general liability, employer’s liability, and commercial auto insurance once the policy limit is reached.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance is usually required for business-owned vehicles. It covers costs if a furniture store's delivery truck or other vehicle gets into an accident.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

Why do furniture stores need insurance?

Furniture stores typically have a lot of inventory on hand, which means your shop might not recover from a fire or burst pipe. A customer injury could also harm your business. Furniture store insurance provides peace of mind and financial protection against property damage, medical expenses, and lawsuits.

How much does insurance cost for retail stores?

Retailer with a clipboard calculating the cost of business insurance.

Several factors will have an impact on insurance costs, including:

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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