How Do I Price My Mattress Store Services?

Nate Jones, CPCU, ARM, CLCS, AU
Nov 7
2 min read

Pricing your mattress store products and services correctly is crucial for profitability and customer satisfaction. Whether you’re launching a new store or optimizing your existing pricing strategy, understanding cost analysis, markup, and competitive positioning is key.

Wexford Insurance specializes in retail business insurance for mattress and furniture stores, helping you protect their investment while managing operational costs. In this guide, we’ll cover how to price mattresses, delivery services, and add-ons—and why insurance should factor into your pricing model.

1. Calculate Your Costs

Start by identifying all expenses:

Inventory Costs: Wholesale mattress prices vary by brand and quality.
Operational Costs: Rent, utilities, payroll, and marketing.
Insurance Costs: General liability, property, and commercial auto coverage.
Delivery Expenses: Fuel, vehicle maintenance, and labor.

2. Apply a Markup

Mattresses typically have a 40–70% markup. For example:

If a mattress costs $500 wholesale, you might price it at $850–$1,000 retail.
Higher-end mattresses often allow for greater margins.

Industry benchmarks can be found in Bed & Mattress Stores in the US - Market Research Report

3. Consider Competitive Pricing

Research local competitors and online retailers. Your pricing should:

Stay competitive without sacrificing profit.
Reflect added value like in-store testing and personalized service.

4. Add Delivery and Setup Fees

Offering delivery and setup adds convenience but also costs. Options include:

Flat Fee: $50–$150 per delivery.
Distance-Based Pricing: Charge more for longer distances.
Free Delivery Promotions: Build into mattress pricing during sales.

Make sure your delivery fleet is protected—see FMCSA’s commercial vehicle compliance guide for transportation safety and insurance standards.

5. Offer Warranties and Protection Plans

Extended warranties and mattress protection plans can boost revenue. Price these based on:

Manufacturer warranty length.
Cost of replacement or repair.

For consumer protection guidelines, review Federal Trade Commission warranty resources.

6. Factor in Insurance

Insurance protects your business from financial setbacks and should be included in your pricing strategy. Common coverages:

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 retailers, ensuring your pricing accounts for risk management.

Final Thoughts

Pricing your mattress store services requires balancing costs, market trends, and customer expectations. Combine smart pricing strategies with strong insurance coverage to protect your profits and build trust.

Contact Wexford Insurance today for a customized insurance plan that supports your business goals.