How to Start a Mattress Store Business: Step-by-Step Guide
- Nate Jones, CPCU, ARM, CLCS, AU
- Nov 6
- 3 min read
Thinking about opening a mattress store? It’s a smart move—mattresses are a necessity, and the industry offers strong profit margins. But starting a mattress store requires more than just finding a location and stocking inventory. You need a clear plan, an understanding of costs, and the right insurance coverage to protect your investment.
Wexford Insurance specializes in retail business insurance for mattress and furniture stores, helping entrepreneurs like you start strong and stay protected.
Key Steps to Start a Mattress Store Business
Step 1: Research the Market
Before investing, analyze your local market:
Demand: Are there enough households in your area to sustain sales?
Competition: Identify existing mattress retailers and online competitors.
Trends: Consider offering eco-friendly or adjustable mattresses to attract niche buyers.
Explore more: International Sleep Products Association for industry trends.
Step 2: Create a Business Plan
Your plan should include:
Startup Costs: Inventory, retail space, delivery vehicles, and staff can range from $50,000 to $250,000.
Pricing Strategy: Mattresses typically have 40–70% markups.
Marketing Plan: Focus on local SEO and social media to attract customers searching for “mattress store near me.”
Step 3: Choose a Location
Look for:
High foot traffic areas
Easy parking and accessibility
Space for showroom and storage
Step 4: Secure Inventory and Suppliers
Build relationships with reputable manufacturers. Negotiate terms for bulk purchases
and delivery schedules.
Step 5: Hire and Train Staff
Customer service is key. Train employees to educate buyers on mattress types, warranties, and delivery options.
Step 6: Get the Right Insurance
Protecting your business is essential. Wexford Insurance offers tailored coverage for mattress and furniture retailers, including:
General Liability Insurance – Covers customer injuries and property damage.
Commercial Property Insurance – Protects your store, inventory, and equipment.
Commercial Auto Insurance – For delivery vehicles.
Workers’ Compensation – Required if you have employees.
Equipment Insurance – Covers tools and machinery used for assembly or delivery.
Working with an insurance program that understands the mattress retail industry ensures you’re covered for unique risks.
Step 7: Market Your Store
Build a website optimized for local SEO.
Use social media ads targeting homeowners.
Offer promotions like free delivery or financing options.
Read More: Link to Google Business Profile setup guide for local visibility.
Market Your Business with Contractor Back Office
Finding it hard to market your business and keep everything organized? Contractor Back Office gives you the tools and support to strengthen your brand, attract more customers, and simplify operations.
Our Services Include:
Let us handle the back office so you can focus on what matters most growing your business.
Final Thoughts
Starting a mattress store can be rewarding and profitable if you plan carefully. From choosing the right location to securing insurance, every step matters. Wexford Insurance specializes in retail business insurance for mattress and furniture stores, helping you protect your investment and focus on growth.
Contact Wexford Insurance today for a customized insurance solution.
