What Kind of Insurance Do I Need for a Furniture Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Oct 30
- 2 min read
Starting a furniture business—whether you're building custom pieces, restoring vintage finds, or running a retail shop—comes with exciting opportunities and serious risks. From workshop accidents to customer injuries and property damage, having the right insurance coverage is essential to protect your investment and ensure long-term success.
At Wexford Insurance, we specialize in helping furniture makers, retailers, and restoration shops find tailored insurance solutions that match their operations and budget.
Why Insurance Matters for Furniture Businesses
Furniture businesses face unique risks:
Power tools and machinery can cause injuries or breakdowns
Customers may get injured in your store or showroom
Delivery vehicles may be involved in accidents
Fire, theft, or flooding can damage inventory and equipment
A defective product could lead to legal claims
Without proper coverage, these incidents can result in costly lawsuits, downtime, or even business closure.
Essential Insurance Policies for Furniture Businesses
Protects your business from third-party claims of bodily injury, property damage, or personal injury. If a customer trips in your store or a piece of furniture causes damage at a client’s location, this policy covers legal and medical costs.
Covers your building, inventory, tools, and equipment against risks like fire, theft, vandalism, and natural disasters. Whether you own a workshop or lease a retail space, this coverage is critical.
A BOP combines general liability and commercial property insurance into one affordable package. It’s ideal for small furniture businesses looking for broad protection.
Required in most states if you have employees. It covers medical expenses and lost wages if an employee is injured while working—whether in the workshop or during delivery.
If you use vehicles for deliveries, transporting materials, or visiting clients, personal auto insurance won’t cover business-related incidents. Commercial auto insurance protects your vehicles and drivers.
Covers the cost of repairing or replacing essential machinery and tools if they break down due to mechanical or electrical failure. This is especially important for furniture makers using specialized equipment.
If a piece of furniture you sell causes injury or damage, product liability insurance helps cover legal fees and settlements. This is crucial for manufacturers and retailers.
Specialized Coverage for Furniture Businesses
At Wexford Insurance, we understand the unique needs of:
Custom furniture makers
Upholstery and restoration shops
Furniture retailers
Commercial furniture suppliers
We work with top insurance carriers to provide coverage that fits your business model, whether you're operating from a workshop, storefront, or mobile unit.
Final Thoughts
Insurance isn’t just a safety net—it’s a strategic tool that protects your furniture business from unexpected losses and helps you grow with confidence. Whether you're just starting out or scaling up, Wexford Insurance is here to help you find the right coverage.
Let us help you protect what you build.
Contact us today.