Business Insurance for Furniture Stores

Compare multiple quotes from top carriers with one application.
What kind of work do you do?
Rows of chairs on display.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

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.

Chairs, lamps, and other furniture on display.
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.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
Cyber liability insurance icon

Cyber liability 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

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.

How much does insurance cost for retail stores?

Retailer with a clipboard calculating the cost of business insurance.

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.

What our customers are saying
Carousel prev arrow
"Great streamlined process. Quick, easy, and support is very helpful."
Ryan F.
System integration
"Denise Smith is a breath of fresh air. I loved every second dealing with her. And, yes, I'm talking about buying insurance. Most people don't love that, but Denise made the experience exceptional. She is a rock star!"
Kristine W.
Food products manufacturing
"We needed quotes fast and coverage even faster. We received both. We appreciate your service. THANK YOU."
Rich H.
Engineer
Carousel next arrow
Delighted customer feedback.
Compare furniture store insurance quotes
Save money by comparing insurance quotes from multiple carriers.
What kind of work do you do?