Does Furniture Store insurance cover the cost of replacing damaged delivery trucks?

Furniture store owners can consider comprehensive furniture store insurance to avoid costly delivery truck replacements.

Marcel Deer - Writer for NEXT Insurance
By Marcel Deer
Kelly Hendrickse - editor for NEXT Insurance
Edited by Kelly Hendrickse
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

Updated June 2, 2023.

The simple answer — Yes.

Commercial Auto insurance

Furniture store insurance can include commercial auto insurance, which can help cover the following issues related to delivery truck damages:

  • Collision repairs and replacements
  • Property damage caused by a vehicle crash
  • Underinsured motorists
  • Injuries
  • Vehicle rental reimbursements

Other useful information

Commercial auto insurance can also cover your employees (within the limits of your policy) if they drive the delivery trucks regularly for work. This is limited to 10 vehicles and 15 drivers in most states.

Commercial auto insurance is required in almost every state if the vehicle is titled to your business and used for work operations.

However, vehicles with more than two axles and drivers under 18 typically aren't covered under this policy.

» Find out more about when you may need commercial auto insurance

Don't let unexpected events derail your furniture store

NEXT can help your furniture store get the coverage it needs:



With fast, affordable and tailored business insurance, you can focus on your business with peace of mind. To view your options, simply apply online and get an instant quote in less than 10 minutes.

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» Find out if furniture store insurance covers accidents on the store's premises