Furniture Store Insurance
You can save up to 25% in discounts on business insurance.*
Choose your primary coverage to get started:
Furniture store insurance can help protect you from:
Theft
Your business is burglarized overnight and inventory was stolen. You need to replace it — fast.
Product liability
A customer claims a sweater you sold was treated with a chemical that caused an allergic reaction.
Advertising injury
A competitor sues you claiming that you copied the "look and feel" of their product listing.
Cyber
Criminals hack your store's site, and now your customers' payment information is compromised.
Furniture store insurance designed to protect your business
NEXT Insurance is a one-stop shop to help you get the furniture store insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
- General liability
- Commercial auto
- Workers’ compensation
- Commercial property
We’ll help you get the furniture store insurance coverage you need
It’s all about managing your risk. See the different policies available for furniture store and save up to 10% when you bundle two or more of our policies.
General Liability
Protection for the injuries, accidents and damage you cause
General liability insurance helps to protect you from unexpected expenses related to many types of accidents that can affect your furniture store business. And clients could require that you have general liability coverage as part of contract requirements so they know that you can pay for any accidental injuries or damage related to your work.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Commercial Auto
For business owners who own or drive vehicles
Commercial auto insurance is essential if you have vehicles that are titled to your furniture store business that you or your employees drive. Your personal car insurance policy probably won't be enough to cover your work-related driving accidents.
commercial auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation
For business owners who hire employees
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if your furniture store has employees. Choose business owner’s coverage with your policy to protect yourself.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Commercial Property
For business owners who own or rent physical spaces
Commercial property insurance covers furniture store business property, which can include the repairs, construction and related expenses if you own the building where you do business. And it can help you whether you lease space or own the property where you work.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
You can save up to 25% in discounts on the best furniture store insurance
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does furniture store insurance cost?
Furniture store insurance costs vary based on the risks that your business faces, such as:
- The types of projects you work on
- Where your projects are located
- Your payroll and the kinds of jobs your employees do
- The number and types of vehicles you use at work
You can save up to 25% in discounts on business insurance, depending on the kind of work you do. More risky professions can expect to pay more.
Learn more about furniture store insurance costs and coverage.
Furniture store insurance requirements
Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:
- Get a business license in your state. It’s a good idea to check if you need a license in your state in order to get insurance.
- Start work on a project. Clients might ask you to have active insurance — usually general liability or workers’ comp.
- Hire employees. Most states require workers’ compensation insurance if you have employees.
- Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
- Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Frequently asked questions about furniture store business insurance
Here are some of the most common questions we get about furniture store business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
Does NEXT Insurance offer general liability coverage for furniture stores?
Yes, NEXT Insurance offers general liability, commercial auto, workers' compensation, and commercial property insurance coverage for furniture stores.
Does NEXT Insurance offer workers' comp coverage for furniture stores?
Yes, NEXT Insurance offers workers' compensation, general liability, commercial auto, and commercial property insurance insurance coverage for furniture stores.
What are some examples of types of business insurance protection for retail shops?
NEXT’s retail shop policies can help protect your business from a variety of risks and financial losses related to:
Damage to someone else’s property
The paint you sell on Amazon explodes in a customer’s bedroom, ruining the carpet and drapes. Your general liability policy could help pay for the damages.**Accidents that hurt someone
A customer falls and breaks their arm inside your retail store. Your general liability coverage or BOP insurance could help pay for medical costs and legal fees.Damage to your own property and inventory
Vandals tag your storefront, break a window and steal some business laptops and products. Commercial property insurance could help with replacement or repair.Accidents involving your business vehicles
You have a fender bender on the way to a client’s office. Commercial auto insurance could help pay for the damages.Workplace illness or injuries
Your employee falls off a step stool and twists an ankle — and now you’re down a worker for several weeks. Workers’ compensation insurance can help cover medical bills and lost wages.How can I get a certificate of insurance (COI)?
Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
More professions that are covered by NEXT
Amazon Seller, Arts and Crafts Store, Bike Shop, Bookstore, Candle Store, Candy Store, Clothing Store, Convenience Store, E-commerce, Electronics Store, Fabric Store, Florist, Furniture Store, Hardware Store, Hobby Shop, Jewelry Store, Laundromat, Luggage Store, Medical Supplies Store, Pawn Shop, Retail Store, Toy Store
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.