Furniture Store Insurance

What kind of work do you do?
Rows of chairs on display.
Choose from the nation's best insurance providers
Logos of Insureon's business insurance carrier partners

Why do furniture stores need insurance?

Furniture shops have a lot of inventory on hand, which means your store might not recover from a fire or burst pipe. Furniture store insurance policies protect against property damage, theft, lawsuits, and injuries. Some types of coverage, such as workers' compensation, may be required by law.

Furniture store employee showing different options on a tablet to a customer on a couch.
Cursor pointing on laptop screen

One application, multiple quotes

Insureon helps furniture store owners compare small business insurance quotes from top U.S. carriers online.

Get several quotes with one easy application.

What types of business insurance do furniture stores need?

These insurance policies cover the 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 coverage 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-related injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
Cyber insurance icon

Cyber insurance

A cyber liability 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.

  • Bodily injury lawsuits
  • Property damage lawsuits
  • Auto accident lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance is usually required for business-owned vehicles. It covers financial losses 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.

How much does insurance cost for retail stores?

A retailer applying for insurance quotes on a laptop.

A small furniture store will pay less for insurance than a larger business.

Factors that affect premiums include:

  • Type of furniture or other products offered, such as mattresses
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get furniture store insurance?

It's easy to get furniture store business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your furniture store, whether you work independently or hire employees.

Verified business insurance reviews

Hear from customers like you who purchased small business insurance.

Compare furniture store insurance quotes
Save money by comparing insurance quotes from multiple carriers.