Amazon sellers
Beer, liquor, and wine stores
Bridal shops
Candle makers
Candy stores
Clothing stores
Computer and electronics stores
Consignment and thrift stores
Convenience and drug stores
Crafters and artisans
E-commerce and online retailers
Florists
Grocery stores
Jewelry stores
Music stores
Pet stores
Smoke, tobacco, and vape shopsCompare furniture store insurance quotes
Save money by comparing insurance quotes from multiple carriers.
What kind of work do you do?
Business Insurance for Furniture Stores
Compare multiple quotes from top carriers with one application.
What kind of work do you do?
We partner with trusted A-rated insurance companies
Save money by comparing insurance quotes for furniture stores
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.
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
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.
BEST FOR
- Customer injuries
- Furniture damage or theft
- Business interruption incidents
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.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
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.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Employee injury lawsuits
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.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyberextortion demands
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.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
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.
BEST FOR
- 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?
Several factors will have an impact on insurance costs, including:
- Retail products and services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
What our customers are saying
