Drapery Store Insurance

Authored/reviewed by a licensed Insurance professional. Last updated 04/28/2026

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.

Drapery store insurance is for retail window treatment shops, custom drapery workrooms, storefront showrooms, home-based sellers, and businesses that measure, deliver, or install curtains, blinds, shades, rods, and hardware.

Common requirements may include general liability for a lease or vendor contract, commercial property or BOP for inventory and fixtures, workers’ compensation where required for employees, and commercial auto if the business owns or uses vehicles.

General Liability Insurance (GL)

Part of your responsibility as a drapery store owner is to get general liability insurance for your business. Once you do this, you can rest assured that if anyone is hurt in your store, you won’t have to pay for the medical treatment out of pocket. Instead, your general liability coverage helps do so. Whether injured customers need to go to the hospital by ambulance or visit the doctor, the liability coverage in your drapery store insurance helps cover the bills. The same goes for any visitors whose personal property ends up damaged after visiting your store.

Example claim scenario: A customer trips over a roll of fabric left near a display table and claims an injury. General liability may help with covered medical payments, legal defense, settlements, or judgments, subject to the policy terms, limits, exclusions, and facts of the claim.

Business Personal Property Insurance

If you expect customers to continue wanting to come to your store to buy drapes, you need to create a welcoming, safe, and clean environment. You can do this by ensuring that your shop is always in good repair, even shortly after it is damaged by vandalism, fire, or any other unforeseen circumstance. If you don’t have the money to immediately pay to repair or rebuild your store after it’s damaged, you need to add BPP to your drapery store insurance policy.

This coverage may not only pay for repairs to the building, but it may also cover the cost of replacing items inside the store that get stolen or damaged.

Example claim scenario: A small electrical fire damages drapery samples, fabric inventory, a point-of-sale system, and display racks. A BOP may help pay covered property damage and related business income loss if the cause of loss is covered.

Workers' Comp Protection

When you have employees who help run your drapery store, you need to include workers' comp in your drapery store insurance policy. Doing so shows your commitment to protecting them in case they are ever hurt at work, such as when restocking the shelves, cutting custom drapes, or performing any other work duties. This is because when you have workers' compensation as part of your drapery store insurance, you can make sure your employees’ medical bills are paid for, whether they need to be hospitalized or even need long-term care, such as physical therapy. This part of your policy can even make up for missed wages when your employee has to take weeks or months off work to recover.

Example claim scenario: An employee cuts a hand while using a fabric cutter or falls from a step ladder while adjusting a showroom display. Workers' compensation may help pay covered benefits under the applicable state system.

Umbrella/Excess Liability

Now that you have drapery store insurance, you likely have general liability to pay for any accidents that occur on your property. But it’s impossible to say how much liability coverage you need, since the cost of claims can range quite a bit. If you want to lower the chance that you’ll have to pay for an expensive claim, you should extend your liability coverage by adding excess liability to your drapery store insurance policy.

Example claim scenario: A serious showroom injury results in a lawsuit that exceeds the store’s general liability limit. Excess liability may respond after the underlying policy limit is exhausted, if the claim is covered under both policy forms.