Furniture Store

Save up to 30% on your business insurance

Sit back, relax, and let Coverage Cowboy protect your Furniture Store!

Welcome to Coverage Cowboy, where we understand the unique insurance needs of your furniture store. Our team of experts is dedicated to providing you with a customized policy that covers everything from property damage to liability protection.

Whether you’re a small boutique or a large showroom, we’re here to help you safeguard your business with the right furniture store insurance. Let Coverage Cowboy help you find peace of mind so you can focus on what really matters – your customers and their dream homes.
  • General Liability
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Furniture Store businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

A furniture store needs general liability insurance to protect itself from unexpected accidents. For example, if a customer trips over a misplaced rug and gets injured, this insurance can cover their medical expenses and your store’s legal fees. Having general liability insurance ensures that your furniture business can continue running smoothly, even when life throws a curveball.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is essential for a furniture store, as it helps protect your business when your delivery trucks hit the road. For example, if one of your drivers accidentally scratches a customer’s wall while delivering a sofa, commercial auto insurance can cover the repair costs. This way, you can focus on selling high-quality furniture without worrying about unexpected expenses from delivery accidents.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is essential for furniture stores to protect their employees from unexpected accidents. For example, if a staff member injures their back while lifting a heavy sofa, this insurance covers their medical expenses and lost wages. By having workers’ compensation, furniture store owners can show they care about their team’s well-being and maintain a safe work environment.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

A commercial property insurance policy is essential for a furniture store to protect its valuable assets. This type of insurance covers the store’s building, inventory, and equipment in case of damage or theft. For example, if a fire breaks out and destroys a furniture showroom, commercial property insurance would help cover the costs of rebuilding and replacing the lost items, keeping the business running smoothly.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Furniture Store business insurance

How does business insurance benefit Furniture Stores?

Business insurance benefits furniture stores in several ways, providing essential protection against potential risks and financial losses:

  • Property coverage safeguards your store, inventory, and equipment against damage or loss due to fire, theft, or natural disasters.
  • General liability insurance protects your business in case of third-party claims, such as bodily injury or property damage occurring on your premises.
  • Workers’ compensation covers employees’ medical expenses and lost wages if they suffer work-related injuries or illnesses.
  • Business interruption insurance helps cover lost income and ongoing expenses if your store is temporarily closed due to a covered event.
  • Commercial auto insurance protects company-owned vehicles used for business purposes.

By investing in comprehensive business insurance, furniture store owners can focus on growing their business with the peace of mind that they are well protected against unforeseen events.

What do I need to get an insurance quote?

To get an insurance quote for your furniture store, please have the following information ready:

  • Business name and contact details
  • Furniture store location and size
  • Estimated annual revenue and payroll
  • Number of employees
  • Inventory and key assets (e.g., furniture, equipment, vehicles)
  • Additional services offered, if any (e.g., delivery, installation, design consultations)

With this information on hand, you’re all set to request a customized insurance quote for your furniture store. Our Coverage Cowboy team is committed to helping you find the best coverage at a competitive price!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.