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Furniture Store Insurance
Customized coverage for furniture retailers
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Protect your business with specialized insurance for furniture stores
Running a furniture store requires juggling a lot of moving parts, like setting up floor displays, managing inventory, and keeping customers safe. At Progressive Commercial, we understand the unique challenges small businesses face. That's why we offer coverages that safeguard your finances and reputation, from showroom to warehouse.
What is furniture store insurance?
Furniture store insurance is customized business insurance designed to protect you from the risks that come with selling, storing, and delivering furniture. It includes coverage for your customers, employees, inventory, equipment, and daily operations.
Furniture retailers rely on this type of insurance because they deal with incidents like customer injuries, damaged inventory, delivery-related issues, and disputes with suppliers or vendors.
Progressive Commercial can help you find coverage tailored to the way you work. We'll guide you through your options and connect you with policies that help protect your business and fit your budget. Start a quote online or talk with an agent to get started.
Why furniture store insurance is important
Your business is always in motion. A steady flow of customers, employees arranging displays, and warehouse workers loading and unloading heavy items can all lead to unexpected issues. Whether it's a slip-and-fall accident or damaged merchandise, having insurance can help you manage these everyday risks.
If you provide delivery and setup services, commercial clients may require a certificate of insurance (COI) to prove you have liability coverage in case of injury or property damage. With a Progressive Commercial business policy for your furniture store, you can get a COI quickly and easily.
Who needs furniture store insurance?
If you're in the business of selling, storing, delivering, building, or installing furniture, accidents can impact your revenue, reputation, and operations. Professions that need coverage include:
- Retail stores
- Online furniture retailers
- Distribution centers and wholesalers
- Delivery and installation providers
- Furniture makers
Whether your business is a sole proprietorship or a large LLC with multiple owners, Progressive Commercial can help you find a policy that's right for you.
Types of insurance for furniture stores
Your business faces different kinds of risks related to inventory, customer traffic, delivery work, and design consultations, so you need insurance that offers complete protection. Essential coverages you should consider include:
General liability (GL)
Covers you for third-party injury and property damage
General liability (GL)
Covers you for third-party injury and property damage
General liability insurance shields your business from third-party claims. It covers injuries that occur on your premises, damage your work causes to someone else's property, and personal and advertising injury, including claims of slander or misleading advertising. Learn more about the benefits of a general liability policy.
Example: A customer trips on a rug in your showroom and breaks their arm. General liability can cover their medical bills and legal fees if they sue.
Business owners policy (BOP)
Combines liability and property coverage in one policy
Business owners policy (BOP)
Combines liability and property coverage in one policy
A BOP packages liability and commercial property into one easy-to-manage policy. Commercial property coverage protects your buildings and inventory if they're lost, stolen, or damaged by a covered event like a fire or burst pipe. It also covers essential equipment — from computers and lighting to shelving and fixtures. A business owners policy includes business interruption to help you recover lost revenue if you have to temporarily close.
Example: Your store gets broken into overnight and the thieves steal computers and point-of-sale merchandise. This coverage helps replace the stolen items and repair any damage caused during the break-in.
Workers' compensation
Protects workers injured on the job
Workers' compensation
Protects workers injured on the job
Whether they're selling goods in your showroom, stocking warehouse inventory, or moving heavy pieces of furniture, your employees work hard. Workers' comp insurance helps support them if they get injured on the job, paying for medical bills and lost wages while they recover. Most states require this insurance. See your state's specific workers' comp rules.
Example: While moving a heavy dresser in your warehouse, an employee strains their back. Workers' comp can pay for their medical expenses, rehabilitation, and lost wages as they heal.
Commercial auto
Protects your business-owned vehicles and drivers
Commercial auto
Protects your business-owned vehicles and drivers
Commercial auto insurance can help if your delivery vehicle causes injury or property damage to others. It can also protect your vehicle against theft, vandalism, fire, or situations where the other driver doesn't have enough coverage. Additionally, it can pay for medical bills if you or your passengers are injured.
Example: A delivery driver rear-ends another vehicle while transporting a sofa to a customer. Commercial auto can cover repairs to both parties, medical expenses for related injuries, and legal fees if the other driver sues.
Cyber
Safeguards against digital threats and data breaches
Cyber
Safeguards against digital threats and data breaches
Cyber insurance pays for costs related to a cyber attack or other digital threat, including investigative services, data recovery, and business interruption. It also helps pay legal and recovery costs if a breach affects customer data. Learn more about cyber insurance coverage.
Example: Your store's point-of-sale system gets hacked, compromising customer information. Cyber coverage helps pay for legal fees and fines, customer notification, data recovery, and credit monitoring services.
Protect your equipment from unexpected breakdowns
Even if your property is insured, damage from mechanical or electrical failure might not be covered without equipment breakdown insurance. This coverage helps pay to repair or replace essential systems like lighting, HVAC, and point-of-sale computers. You can add it to your BOP to help keep your furniture shop moving forward.
How much does furniture store insurance cost?
The cost of furniture store insurance depends on your business's risk level and the types of coverage you choose. If you use vehicles for your business, adding commercial auto insurance will also affect your rate. The following will be considered when calculating your premium:
- Business type and size
- Number of employees
- Claims history
- Location
- Coverage amounts
- Number of vehicles
- Driving history
Learn more about the cost of business insurance and what you can expect to pay.
Why choose Progressive Commercial for furniture shop insurance
We know how hard you work to help your customers find furnishings that reflect their unique style and transform their homes into comfortable spaces. That's why our coverage is designed to protect what matters most.
Small businesses like yours have trusted us to provide custom options at affordable rates for over 50 years. Start a quote online to find the right insurance for your furniture business.
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