Furniture Shop Insurance

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Insurance for furniture shops & showrooms

Whether you’re running a bespoke furniture showroom or specialising in antique furniture, protecting against the unexpected is essential.

Running a busy retail environment and helping people find the perfect piece of furniture can leave little time for much else, let alone finding time to arrange the right insurance. That’s why we’ve made it easy for you to compare quotes online from some of the UK’s leading insurers so you can focus on what really matters – running your business.

We understand the time pressures of running your own business. Time is money, and searching for the right furniture shop insurance can be time consuming. We have many years’ experience helping furniture retailers find tailored cover and are here to make arranging your shop insurance simple and hassle free.

If you know the covers you need you can compare quotes and protect your furniture shop online in a matter of minutes. However, if you’re looking for some expert advice and recommendations then give us a call. We understand that one size does not necessarily fit all and will work hard on your behalf to ensure you get a great value policy for all your business activities.

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Furniture shop insurance cover in detail

What is furniture shop insurance?

Furniture shop insurance protects you against a number of events that could lead to financial losses or claims being made against you. It’s designed to protect you and let you work without worry. Without the right cover in place, you could find yourself personally liable for business losses and third party claims.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

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

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, having liability insurance in place can relieve the stress and financial burden.

Property covers

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 contents, stock and potentially buildings against fire, theft, flood and much more.

Business interruption

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 could cover 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.

Commercial legal protection

Commercial legal protection can be included in your furniture shop insurance policy to safeguard against employment disputes and awards of compensation. It can also offer protection against tax and VAT disputes, and cover you financially if you, your business partners or employees are summoned for jury service.

Product liability

If you make any of your own furniture or work with a supplier who completes your customers’ orders you may wish to consider product 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.

Furniture shop insurance FAQs

Do I need furniture shop insurance?

Furniture showrooms can present a high risk environment for both staff and clients. With lots of products on display there could be many obstacles in your showroom and a lot of high value stock on your premises at any time, meaning furniture shop insurance is essential. Without the correct cover in place, your livelihood may be open to claims that could jeopardise your future ability to trade. Having the right insurance can let you focus on the job in hand and work without worry.

Furniture shops and showrooms can be exposed to a variety of hazards, from fires and floods to slips, trips and falls, meaning there are a number of considerations to take into account when arranging your showroom insurance.

What covers do furniture shops need?

At Premierline, we offer flexible furniture shop insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your showroom, you should consider the following:

Public liability – for injured shop visitors or damage to their property.
Employers' liability – to protect your shop employees.
Buildings cover – to cover for loss or damage to your shop premises.
Equipment, contents and stock – to reinstate your items and belongings.
Business interruption – to keep finances running when disaster strikes.
Money cover – for theft or attempted theft.
Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.

More information

How much does furniture shop insurance cost?

The cost of your furniture showroom insurance will depend on your business activities, the location of your showroom or shop and the amount and type of covers you require to protect your showroom. Like any other insurance, generally the more cover you require the higher the premium.

The value you gain from having the right cover in place is a huge benefit to your business. A shop insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope that you will never need to call on.

Why choose Premierline to arrange furniture shop insurance?

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.

What type of furniture shops do Premierline work with?

As a business insurance broker, we can arrange insurance for a range of different furniture businesses. Such as:

Traditional furniture showrooms
Furniture outlets
Furniture business that have a virtual showroom and take orders online
Furniture manufacturers that sell direct to the public

Depending on your type of business, you may be interested in furniture manufacturing insurance or e-commerce insurance.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're Shop Insurance Experts

We understand the nature of running your shop often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your retail insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Great service. Friendly and helpful staff who understood my needs and got me a good price for my shop policy.”

Household Goods Retailer

Customer since October 2023

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.

Don't just take our word for it, read more of our customer testimonials and reviews.

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Speak to a furniture shop insurance expert

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.