Furniture Store Insurance

What Is Insurance for Furniture Stores?

Furniture store insurance is another name for small business insurance. It’s an insurance policy made up of different types of coverage designed to help protect furniture store owners from various claims and risks they face during normal business operations. From customer injuries to property damage in your warehouse, these kinds of risks can significantly impact your furniture store. That’s why business insurance is important.

Different types of furniture shop insurance can give your business well-rounded protection. We can help you get the right insurance coverages, answer any questions you may have about insurance for furniture stores and help you file a claim, too.

Who May Need Furniture Store Insurance?

Furniture distributors
Cabinet stores
Woodworking businesses
Furniture and fixture installers
Office furniture distributors
Drapery stores
Lamps and lighting fixtures stores
Clock stores

What Kind of Insurance Does a Retail Furniture Store Need?

Many companies start with a Business Owner’s Policy (BOP) for their retail business needs. A BOP combines three essential types of coverage to help cover claims and protect your furniture store from financial loss, including:

General liability coverage to help cover claims that your furniture store caused bodily injury or property damage to others.
Commercial property insurance to help protect the owned or rented building where you operate your furniture store, as well as the tools, equipment and inventory you rely on.
Business income insurance to help replace lost income if you can’t operate your furniture store because of covered property damage. This coverage is also known as business interruption insurance.

Furniture store owners may also need to get other types of coverage for more protection, like:

Workers’ compensation insurance to help employees recover from a work-related injury or illness. This insurance can help cover medical expenses and replace lost wages.
Commercial auto insurance can protect you and your employees on the roads while driving a company-owned vehicle for business.

How Much Does Furniture Store Insurance Cost?

On average, furniture store owners pay about $2,630 annually, or about $219 monthly, for a Business Owner’s Policy with The Hartford.** But be aware that furniture store insurance costs vary, because every business is unique and has different needs. To determine costs, insurance companies look at various factors, including:

Location
Claims history
Industry

The best way to find out your furniture insurance cost is to get a quote.

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Protecting Your Furniture Store Property

A fire breaking out in your furniture store or warehouse can significantly impact your operations. Whether it’s damage from a fire, storm or theft, having the right type of insurance for furniture stores can play an essential role in protecting your business.

30% of warehouse fires are due to unintentional or careless mistakes.¹

Commercial Property Insurance

“A pipe burst in the ceiling of our furniture store overnight and the water ruined several couches.”

Commercial property insurance helps protect your owned or rented inventory. So, if something gets damaged, it can help pay for repairs or replacements.

Franchise Upgrade Coverage

“Someone broke into our furniture store and stole our point-of-sale system and measuring tools we use to help customers with their purchases. We had to replace it with upgraded equipment to meet the franchise standards.”

Our Franchise Upgrade coverage helps pay expenses related to repairing, rebuilding or replacing damaged property in order to meet your franchise requirements.

Covering Your Furniture Store Operations

We know it takes hard work and a lot of time to run a furniture store or franchise. That’s why we offer furniture store insurance coverage to give you peace of mind and protect your business property from common risks.

Furniture store franchisees who don’t maintain adequate insurance coverage could risk breach of contract.²

Business Income from Dependent Properties Coverage

“A fire in our warehouse damaged several couches and mattresses. We couldn’t open our furniture store until new inventory came in.”

Business Income from Dependent Properties coverage can help replace lost income if you can’t operate your furniture store because a vendor you depend on suffered property damage.

Data Breach Insurance

“We were the victim of a data breach. Hackers took our customer’s names and credit card information.”

Data breach insurance can help your furniture store respond to a breach if personally identifiable information (PII) gets lost or stolen. Some insurance companies call this coverage cyber liability insurance.

Protecting Your Furniture Store Team

Your employees are key to a successful furniture store business. If they get hurt or sick from their job, furniture insurance can help them recover and get back to work sooner.

Injuries among first-year retail and wholesale workers account for 70 days of missed work per year.³

Workers’ Compensation Insurance

“One of my warehouse workers hurt her back while she was moving boxes. She had to go to several weeks of physical therapy to recover from her sprain and could only work a limited amount of hours.”

Workers’ comp insurance gives your employees benefits to help them recover from a work-related injury or illness. It can help cover ongoing care costs and lost wages.

Commercial Auto Insurance

“Our driver backed up into a customer’s shed with our box truck while making a delivery.”

Commercial auto insurance can help cover property damage and bodily injury claims if you or an employee gets into a car accident while driving a business-owned vehicle.

Other professions we can help protect include:

Frequently Asked Questions About Furniture Store Insurance

How Much Does Insurance Cost for a Retail Store?

Our customers who own retail businesses typically pay around $1,820 annually, or about $152 monthly, for a Business Owner’s Policy (BOP).** Keep in mind that what you pay for small business insurance will vary, because insurance companies look at many different factors to determine your price.

Why Is Furniture Store Insurance Important?

Business insurance can help minimize your financial losses if a claim occurs. With the right types of coverage, business owners don’t have to pay out of pocket for costly liability and property damage claims. It can also help pay for legal costs or medical bills resulting from a customer or employee lawsuit.

What Does Furniture Store Insurance Cover?

Furniture store insurance policies are made up of different types of coverage designed to help protect business owners from various claims and risks. This policy may include coverages like general liability and commercial property insurance. You may also need to add additional coverages like commercial auto insurance, cybersecurity insurance and worker’s compensation.

How Do I Get a Quote for Furniture Store Insurance?

It’s easy to get a fast and free online quote for furniture store business insurance. Our specialists can help you find the right types of coverage for your unique needs. The best way to get started is to get a quote online or call us at 855-487-0783.

general liability insurance for furniture store

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Last Updated: August 4, 2025

** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.

¹NFPA, “Warehouse Structure Fires Report” (2025)

²Reidel Law Firm, “The Significance of Insurance Requirements in Franchise Agreements”

³ EHS Today, “Retail Workers’ Injuries Occur Mostly in First Year”

This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.

All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.

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