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