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
ERGO 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 can help you pay for:
Commercial Auto
For business owners who own or drive vehicles
commercial auto can help you pay for:
Workers' Compensation
For business owners who hire employees
workers compensation can help you pay for:
Commercial Property
For business owners who own or rent physical spaces
commercial property can help you pay for:
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.
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.
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 ERGO NEXT Insurance offer general liability coverage for furniture stores?
Does ERGO NEXT Insurance offer workers' comp coverage for furniture stores?
What are some examples of types of business insurance protection for retail shops?
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.What do I need to get an insurance quote online?
How can I get a certificate of insurance (COI)?
How do you file an insurance claim with ERGO NEXT?
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
