Insurance for Home Furnishings Stores

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  • Fast, effortless processing of insurance for Furnishings Stores

  • Affordable insurance for Furnishings Stores, with better coverage

  • Expert service made just for Furnishings Stores

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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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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Frequently Asked Questions

Why do Home Furnishings Stores need insurance?

This industry consists of establishments that retail furniture. Furniture types include office, household and outdoor, including home electronics and furnishings, floor coverings, major appliances, mattresses, box springs, and baby furniture.

Starting a furnishings store comes with plenty of risks. These risks should have proper risk management strategies to minimize or even prevent any loss from the risks that might happen to your business. Insurance can help. Your insurance will pay for covered expenses like medical fees, attorney fees, legal fees and more, which could otherwise put a huge dent in your business and personal assets.

What risks do Home Furnishings Stores face?

Below are some examples of risks that your furnishing store can face:

  • A fire destroys your business property. Because of that, your business won’t be able to operate unless everything has been repaired.
  • One of your employees stole a large amount of cash.
  • A pipe bursts and your office is flooded, along with all your critical documents. Many of which got completely destroyed.
  • Furniture, a customer purchased, got destroyed in an accident while being delivered.

These are just a few of the potential risks that your home furnishing store can face.

How much does insurance for Home Furnishings Stores cost?

There is no fixed cost of insurance for home furnishing stores. Most of the time, insurance carriers identify the cost of your insurance policy through the size of your business, the number of employees you have, and the coverage required. To find out the cost of your insurance policy, apply online to get a free quote or simply talk to our expert insurance advisers.

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