top

Mon – Fri | 6 a.m. – 5 p.m. PT

Furniture Store Insurance

Save up to 30% on business insurance
Retail insurance

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
Get a Quote

Save up to 30% on the best furniture store insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

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.
General Liability

General Liability

Bought by 95% of business owners like you
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
Learn more
Commercial Auto

Commercial Auto

For business owners that use 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
Learn more
Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers' compensation insurance is bought by self-employed workers, sole proprietors and independent contractors for the financial protection it provides and to meet contract requirements with clients. And almost every state requires workers’ comp for furniture store businesses with employees.
Workers' Compensation can help you pay for:
Medical expenses.Lost wages.Employer liability
Learn more
Commercial Property

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
Learn more
How much does insurance cost

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 30%, depending on the kind of work you do. More risky professions can expect to pay more. 

Get a Quote

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 furniture store 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.
Get a Quote
Everything you want to know about Insurance

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.
How does business insurance protect retail stores?

Our retail store insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

The paint you sell on Amazon explodes in a customer’s bedroom, ruining the carpet and drapes. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A customer falls over backwards trying out a chair and breaks their arm. Your retail store general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries 

One of your employees falls off a step stool while restocking the upper shelves and badly twists their ankle, leaving them unable to work for several weeks. Workers’ compensation coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees. 

Injuries and damage involving your business vehicles

A hail storm leaves dents all over the roof of your work van. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. 

Damage to your property and inventory

All the inventory you had ready to go was vandalized overnight. Commercial property insurance can help with replacement or repair costs.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

Certificate of Insurance

Need a fast certificate of insurance?

Get covered in just a few clicks and have your COI in hand. Get Instant Quote