Furniture Store Insurance

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What is Furniture Store Insurance?

Furniture shop insurance is a tailored policy that can protect your business against damage, loss, theft, harm to employees or the public, and other unexpected events.

Furniture shops typically have high-value stock, a team of employees and hopefully a high footfall of customers. Because of this, it is advisable to consider getting insurance for your furniture shop, and in some cases, for example, employer’s liability, it is most likely a legal requirement.

Every furniture shop owner will have differing needs for their insurance, so it is often best to speak to an insurance specialist who can guide you through typical types of cover and the less common covers that may apply to your particular situation.

Quote Goat makes it easy for business owners to find furniture shop insurance by working with a panel of leading insurance providers who specialise in commercial property insurance. Upon submitting your details in a single quote form, you will receive furniture shop insurance quotes from up to 5 insurance providers, allowing you to compare prices quickly and easily for free.

From sofas to office furniture, compare furniture insurance quotes through Quote Goat to find the right cover at the right price.

What Type Of Insurance Might I Need For My Furniture Store?

The easiest way to create the right policy for your shop is to complete the quote form and discuss your requirements with a specialist insurance provider. However, below are three areas that may form part of the insurance policy for your furniture shop.

Public Liability Insurance: Protects you financially should a member of the public be injured or their property damaged as a result of your business activities.

Stock Insurance: Given the relatively high stock value in a furniture shop, you may want to have your stock insured against theft and damage. Your contents insurance may include stock cover, so discuss this with the insurance provider. It is important to note that a claim will cover the cost price of replacing your stock and not the recommended retail price.

Employer’s Liability Insurance: If your furniture store has employees, then you will almost definitely be legally required to have employer’s liability insurance in place. This is to cover your business against court costs and/or compensation arising from an employee’s illness or injury due to their work for you. Not having employer’s liability insurance could mean a fine of up to £2,500 for each day without it.

Author Image - Michael Foote

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.