Furniture Store Insurance

Authored and Reviewed by: Sam Meenasian, Licensed Insurance Professional (CA License #0F75955) Last Updated 1/20/2026

This overview is for educational purposes only and is not legal, tax, or insurance advice. Coverage terms and availability vary by state, carrier, and risk.

You have a lot of expensive inventory on hand at all times to create the best display possible for your customers. The last thing you need as the owner of a furniture store is to worry about how you will manage the financial burden of replacing items lost due to unexpected events. A number of commercial insurance coverage options are available to provide you with the best possible protection for your specific business needs.

We’ve specialized in furniture store insurance since 2007, backed by nearly two decades of experience in commercial insurance.

General Liability Insurance

General liability insurance may help cover third‑party claims such as bodily injury or property damage arising from your showroom and operations (for example, a slip-and-fall claim). It may also help cover certain products‑completed operations claims alleging bodily injury or property damage arising from products you sell, subject to policy terms, conditions, and exclusions.

Business Owners Policies

A Business Owners Policy (BOP) commonly bundles general liability and commercial property coverage for small businesses and often includes business income coverage. Property coverage can help protect your building (if owned) and your business's personal property, such as furniture, inventory, displays, fixtures, and equipment.

Some BOPs include limited coverage for electronic data or computer-related interruptions, but cyber-related losses may require separate coverage.

Business Income & Extra Expense: If a covered property loss forces you to temporarily close, business income coverage may help replace lost income and cover certain continuing expenses (like payroll, rent, and utilities). Extra expense coverage may help pay for temporary operations so you can keep serving customers.

Workers Comp Insurance

Your furniture store is likely staffed with sales specialists and delivery personnel. Workers’ compensation requirements vary by state. Coverage is mandatory for most employers in most states, but rules and exemptions differ, confirm requirements for your state and employee count.

Workers comp protects you and your employees if anyone is injured while performing their job, or made ill from their job duties. Workers comp covers employee medical expenses, lost wages, and provides for disability where applicable.

Commercial Auto Coverage

Furniture store owners generally offer delivery services to their customers. Whether you own company delivery vans or your employees use their own vehicles, commercial auto insurance protects your business if there is an auto accident. Business auto insurance may help cover collisions and impacts, theft, vandalism, and medical bills if anyone is injured.

Depending on what you select, business auto may include liability plus optional comprehensive/collision (for theft, vandalism, and crash damage) and optional medical-related coverages where available.

Why choose us

Numbers that prove it.

Independent. Licensed in all 50 states. Backed by partnerships with the carriers that matter to your business.

1,000+

Trades Insured

18+

Years In Business

240+