What Kind of Insurance Do I Need for a Mattress Store Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Nov 6
- 3 min read
Starting a mattress store business can be a profitable venture, but it comes with risks that can impact your bottom line. From customer injuries in your showroom to delivery accidents and property damage, these challenges can lead to costly lawsuits and financial setbacks if you’re not prepared. That’s why having the right insurance coverage is essential.
Wexford Insurance specializes in retail business insurance for mattress and furniture stores. We understand the unique risks of this industry and provide tailored solutions to protect your investment. In this guide, we’ll break down the types of insurance you need, why they matter, and how they safeguard your business.
Why Mattress Store Insurance Is Essential
Mattress retailers face multiple risks:
Customer Injuries: A slip-and-fall accident in your showroom can lead to expensive liability claims.
Property Damage: Fire, theft, or natural disasters can destroy your inventory and equipment.
Delivery Accidents: If your delivery truck is involved in an accident, you could face repair costs and liability claims.
Employee Injuries: Handling heavy mattresses can result in workplace injuries, leading to workers’ compensation claims.
Without proper coverage, these incidents can drain your finances and even force your business to close. Insurance provides peace of mind and ensures you can recover quickly from unexpected events.
Essential Insurance Policies for Mattress Store Owners
What It Covers:
General liability insurance protects your business against third-party claims for bodily injury, property damage, and personal injury.
Why It’s Important:
Imagine a customer trips over a display in your showroom and breaks their arm. Without liability coverage, you’d be responsible for medical bills and legal fees. This policy covers:
Medical expenses for injured customers
Legal defense costs
Settlements or judgments
Typical Coverage Limit: $1 million per occurrence, $2 million aggregate.
What It Covers:
This policy protects your physical assets, including:
Store building (if owned)
Inventory (mattresses, bedding, frames)
Equipment and fixtures
Risks Covered: Fire, theft, vandalism, and certain natural disasters.
Why It’s Important:
Mattress inventory is expensive. A single fire could wipe out thousands of dollars in products. Property insurance ensures you can replace damaged items and resume operations quickly.
Tip: If you lease your store, confirm whether your landlord’s policy covers the building structure—you’ll still need coverage for your inventory and equipment.
What It Covers:
If you offer delivery services, this policy covers:
Company-owned vehicles
Liability for accidents involving your delivery trucks
Physical damage to vehicles
Why It’s Important:
Delivery is a core part of mattress retail. If your truck is involved in an accident, you could face repair costs, medical bills, and lawsuits. Commercial auto insurance ensures you’re protected.
Optional Add-On: Hired and Non-Owned Auto coverage for vehicles you rent or employees’ personal cars used for deliveries.
What It Covers:
Provides benefits for employees injured on the job, including:
Medical expenses
Lost wages
Rehabilitation costs
Why It’s Important:
Handling heavy mattresses and frames can lead to back injuries or accidents. Workers’ compensation is legally required in most states if you have employees. It protects both your staff and your business from costly claims.
What It Covers:
Protects tools and machinery used for assembly, storage, or delivery against damage or breakdown.
Why It’s Important:
If your equipment fails, it can disrupt operations and lead to lost revenue. Equipment insurance helps cover repair or replacement costs quickly.
Optional Coverage to Consider
Cyber Liability Insurance: If you sell mattresses online or store customer data, this coverage protects against data breaches.
Business Interruption Insurance: Covers lost income if your store is forced to close temporarily due to a covered event.
How Wexford Insurance Helps
At Wexford Insurance, we work with top carriers to provide:
Customized coverage for mattress and furniture retailers
Competitive rates
Expert guidance on risk management
Our team understands the unique challenges of mattress retail and ensures you have the right protection for your business.
Final Thoughts
Insurance isn’t just a requirement—it’s a smart investment in your business’s future. From liability to property and delivery coverage, every policy plays a role in keeping your mattress store secure and profitable.
Contact Wexford Insurance today for a tailored insurance plan that fits your needs and budget. Let us help you protect your investment so you can focus on growing your business.
