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.

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

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.

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.

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

• Traditional furniture showrooms
• Furniture outlets
• Furniture businesses 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.

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.

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.

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.