Commercial Insurance for Home Furnishing Stores

You’ve poured your time, sweat, and tears into building your brand and now it’s time to properly protect it. Investing in the right insurance plan can help you do just that—and it’s something you should prioritize as soon as possible. But how do you know what type of coverage is best for your business? Let’s break down some of the top insurance policies for home furnishing stores to get you started. 

Retail Insurance for Furniture Stores

Commercial Property Insurance: Commercial property insurance helps protect your store and property from damage or loss due to fire, storms, theft, vandalism, and other covered events. When shopping for this type of policy, make sure that it includes coverage for any furniture, merchandise, and fixtures inside the building, as well as any outside property damage. 

General Liability Insurance: General liability insurance covers claims made against your business due to bodily injury and property damage caused by products sold at your store or services provided by employees while they are on duty. It will also provide protection if someone slips and falls in your shop or if someone sues you over false advertising or copyright infringement issues associated with the products you sell. 

Worker’s Compensation: Chances are, you have employees who help you run your store and make deliveries, so it’s vital to have protection against any accidents, injuries, or illnesses that occur on the job. Worker’s compensation insurance will cover wage loss, medical bills, and any other associated costs from a work-related injury or illness.

Commercial Auto Insurance: If you offer furniture delivery using a business vehicle or fleet, it’s imperative to have coverage for any accidents or mishaps that may occur during the delivery process. Our policies can be comprehensive or customized to include liability, collision, roadside assistance, expanded towing, uninsured motorists, and any other necessary elements to keep your drivers and merchandise covered.

Business Interruption Insurance: Business interruption insurance helps offset lost income if your store has to close due to damage from a covered incident, such as a fire, pandemic, or storm. It pays out money based on any lost profits during the time it takes to repair or rebuild the property—as well as extra expenses incurred while the business is closed. 

Affordable Insurance for Furniture Stores

When it comes down to it, choosing the right type of insurance is essential for every home furnishing store owner. To run day-to-day operations effectively and efficiently without putting your bottom line at risk if something goes wrong, having full-coverage insurance is key. Getting insured by the Business Insurance Center ensures that you’ll get the right policy at a competitive rate. Our plans are tailored specifically towards home furnishing stores just like yours, designed to reduce risks and unexpected losses associated with running a retail shop. When you call us for a free furniture store insurance quote, we access our vast network of commercial business insurers to find you the most affordable and robust coverage available. No matter what corner of the country you’re in, we have insurance for your business. Don’t wait until disaster strikes, contact us today to learn more!


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*Disclaimer: Insurance products are subject to terms and conditions, as well as exclusions that we cannot define on our website and blog. The content published here is only intended to provide you with an overview and general information about policies and products in the insurance industry. YOUR policy will carry details of the specific coverages, terms, conditions, limitations, exclusions. These will be governed by the underwriting guidelines applicable in your state.

If any policy provision is in conflict with the information provide on our website, blog or by any of our agents, kindly note that the policy language is controlling and supersedes all other sources. For more information, please contact your local office of The Nowell Agency.

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