Furniture Store Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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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

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?

Yes, NEXT Insurance offers general liability, commercial auto, workers' compensation, and commercial property insurance coverage for furniture stores.

Does ERGO 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 ERGO 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.

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, Jewelry Store, Laundromat, Luggage Store, Medical Supplies Store, Pawn Shop, Retail Store, TikTok Shop Seller, Toy Store