Do I Need a License or Certification to Operate a Mattress Store Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Nov 6
- 3 min read
If you’re planning to open a mattress store, one of the first questions you’ll ask is: Do I need a license or certification to operate legally? The short answer: Yes, you’ll need several licenses and permits, but certifications are generally optional unless you sell specialty products.
Wexford Insurance specializes in retail business insurance for mattress and furniture stores, helping entrepreneurs meet compliance requirements and protect their investment. In this guide, we’ll break down the licenses, permits, and certifications you need—and why insurance is often part of the process.
Licenses and Permits Required for Mattress Stores
Operating a mattress store involves compliance with local, state, and federal regulations. Here are the most common requirements:
1. General Business License
Almost every city or county requires a general business license to operate legally. This confirms your business is registered and compliant with local laws.
2. Sales Tax Permit
If you sell mattresses directly to consumers, you must collect and remit sales tax. A sales tax permit (also called a seller’s permit or resale license) allows you to:
Collect sales tax from customers.
Buy inventory tax-free from wholesalers.
Read More: Check out Avalara’s guide on sales tax permits.
3. Resale Certificate
Needed if you purchase mattresses wholesale for resale. This certificate exempts you from paying sales tax on inventory purchases.
4. Certificate of Occupancy
If you operate from a physical location, your city will require a Certificate of Occupancy (CO) to confirm the space meets zoning and safety standards.
5. Sign Permit
Planning exterior signage? Many cities require a permit for signs, especially illuminated or large displays.
6. Employer Identification Number (EIN)
Issued by the IRS, this number is required for payroll, tax filings, and opening a business bank account—even if you don’t have employees.
Product Safety and Compliance
Mattresses sold in the U.S. must meet federal flammability standards under 16 CFR Parts 1632 and 1633, regulated by the Consumer Product Safety Commission (CPSC). These rules cover:
Smoldering ignition resistance (cigarette test).
Open flame resistance (fire safety test).
Read More: Check out CPSC mattress safety standards.
If you sell children’s mattresses, you must also comply with CPSIA regulations, including lead and phthalate testing.
Do You Need Certification?
Certifications are not legally required for most mattress retailers. However, they can boost credibility:
Eco-friendly certifications for sustainable products.
Sanitization certifications if you sell refurbished mattresses.
Why Insurance Is Part of Compliance
Many landlords and local authorities require proof of insurance before issuing permits or signing leases. Common coverages include:
General Liability Insurance – Protects against customer injuries and property damage.
Commercial Property Insurance – Covers your store and inventory.
Commercial Auto Insurance – For delivery vehicles.
Workers’ Compensation – Required if you have employees.
Equipment Insurance – Protects tools and assembly equipment.
Wexford Insurance offers tailored coverage for mattress and furniture retailers, ensuring you meet legal requirements and protect your business from financial risks.
Final Thoughts
Licensing and compliance are essential for operating a mattress store legally and safely. Combine these steps with strong insurance coverage to protect your investment and build customer trust.
Contact Wexford Insurance today for expert guidance and a customized insurance plan.
