Protecting your furniture shop
Any retailer will know that running a busy store doesn’t finish when the doors close for business. There’s accounts, deliveries, orders and of course, arranging your furniture shop insurance. With so much to manage, the last thing you need is to spend hours comparing quotes to protect your livelihood. You need an insurance broker that understands the risks you face and the covers you need most.
Our expert advisors have years of experience arranging insurance for the retail sector. As a result they have a thorough understanding of the exposures you face and the covers that can protect you. So we work with a panel of trusted insurers so you can compare quotes and choose the right furniture shop insurance for your livelihood.
Liability insurance for furniture retailers
When your customers visit you always hope everything will run smoothly and they’ll enjoy their visit. As careful as you are to make it as safe as possible, accidents can happen when you least expect. You need public liability insurance in case something goes wrong. This cover offers financial protection against accidental injury to a third party or accidental damage to their property. You never know what’s around the corner but preparing for the unexpected is essential.
Employers’ liability insurance offers the same financial protection but specifically for your staff, injury claims can be costly and if someone pursues you for damages then having liability insurance in place can relieve the stress and financial burden.
Both of these covers can be combined into one easy to buy furniture shop insurance policy.
If you make any of your own bespoke furniture or work with a supplier who completes your customers’ orders you may wish to consider products liability insurance. This will typically cover you for legal and compensation costs resulting from injury to a 3rd party or damage to their property caused by any products you manufacture, sell or repair.
Property insurance for furniture shops
With a store full of bespoke furniture you need to consider the financial implications of having to replace it if disaster struck. Whether you’re specialising in smaller home furnishings or selling a wide range of products; property protection is a must.
You could be working from a large warehouse showcasing luxury beds and sofas or a high street shop specialising in the finishing touches; either way you need to protect your stock, contents and potentially buildings against fire, theft, flood and much more.
Business interruption insurance for furniture retailers
If disaster struck you could find yourself in a position where you’re unable to trade. If a fire took hold and destroyed everything in its path, it could take months or even years to get back to normal. Business interruption insurance covers your loss of income following property damage while you get back up and running. It can help tide you over until you're back on your feet. This cover could be the financial saviour of your business if the worst happened. It could even cover costs of helping you trade temporarily from another location.
Legal protection for your furniture shop
Commercial legal protection cover can protect your business against Tax or VAT disputes or employee disputes amongst many other covers.
If you sell your furniture online see our e-commerce insurance page for more information.
Comprehensive furniture shop insurance
Arranging your furniture shop insurance doesn’t have to be challenging or time consuming. Here at Premierline we work closely with some of the UK’s leading insurers to offer you a choice of quotations tailored to your needs.
You can compare quotes online in a matter of minutes if you know the covers you need. Alternatively if you’re looking for some expert recommendations and insurance advice then give us a call. We’re committed to helping you find the right insurance for the right price for your livelihood.