Insurance for Home Centers

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Fast, effortless processing of insurance for Home Centers

  • Get an insurance application: whenever, wherever

  • Insurance made affordable at CoverWallet

  • We care deeply about the success of your business

Coverage Plans for All Your Needs


Essential coverages to meet client demands

General Liability (GL)

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  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations


When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown


Get protected against employment-related issues

Business Owners Policy (BOP) + Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation


When you have specific requirements

Including Business Interruption, Cyber Liability, etc.

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We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

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Or call (646) 844-9933 anytime.

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Frequently Asked Questions

Why do Home Centers need insurance?

This industry consists of establishments that are involved in retailing home repair and home improvement supplies. Examples include electrical, gardening, and plumbing tools.

Home centers need insurance because they welcome many customers and offer plenty of products and services to them. This means that home centers are prone to many liabilities and risk. These risks can cause your business a lot of money that could potentially destroy your business and personal assets. Insurance will make sure that such a case won’t happen by paying for the covered risks first until it has reached its limits. And all you have to do is to pay a small monthly fee to get your business protected.

What risks do Home Centers face?

Home centers are prone to a lot of risks, below are some of the examples:

  • The product sold at your home center has caused one of your customers financial harm due to malfunction at the property. It could also have caused them personal injuries. Since you sold the product, in addition to the manufacturer, your business is also liable.
  • While preparing the dining table for your home center, an employee accidentally dropped the table and injured his right foot. You’ll not only be responsible for the medical costs but for the attorney fees and court costs if the employee decides to sue your business.

How much does insurance for Home Centers cost?

The insurance for home centers depends on the size of your business, the number of employees you have and the coverage needed. Without taking these into account, below is the average cost of insurance policies for home centers:

  • Business Owners Policy (BOP) costs $900 in annual premiums.
  • Workers' Compensation costs $1000 in annual premiums.
  • Product Liability insurance costs $700 in annual premiums.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

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Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

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Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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