Excess & Surplus
Small Business Owners
Small Business Owners
Small Business Owners
State Disability Insurance
Commercial Auto Insurance
Auto Service Plus
Specialty Risk Coverages
Life at AmTrust
As a furniture store owner, your goods add something special and unique to your customers' homes. Your primary assets include your building, your employees, and your inventory, so it's crucial to ensure you've protected your investment. Furniture shop insurance through AmTrust Financial can help cover the risks associated with your small business, including liability claims, workplace accidents, third-party injuries, property damage, and much more.
Insurance Plans for Furniture Stores
For your protection, there are several types of furniture shop insurance coverages you may want to consider. It's important to understand what each plan covers in order to ensure your resources are kept safe whenever an unexpected problem arises. Common furniture store insurance policies include:
• Workers' Compensation
• Businessowners Policy
• Cyber Liability
• Commercial Auto
Keeping Your Employees Protected with Workers’ Compensation
In your line of work, your staff may be required to lift heavy furniture on a regular basis, which could make it easier for an on-the-job accident or injury to occur. Most states require furniture shop owners with employees to have
insurance. This policy can cover medical expenses, partial lost wages, job retraining, and disability payments if an employee suffers a workplace illness or injury. In addition to covering the costs associated with any workers' comp claims, this policy may also provide your business with defenses to any employee lawsuit filed in connection with a work-related injury or illness; if an employee receives benefits, that employee may not be able to successfully sue your business in connection with the claim.
Safeguarding Your Furniture Shop Against Property Damage and Liability Claims
Many furniture shop owners opt to carry a
businessowners policy (BOP)
, which bundles commercial property and general liability coverages into a single plan. A BOP can provide comprehensive coverage for a variety of unforeseen events:
1. Damage to property and resources.
If a fire or other event causes damage to your business' owned building or resources, you could receive help paying for the costs of repairs or replacements through a commercial property insurance policy. In most cases, acts of theft and vandalism are also covered.
2. Third-party liability claims.
Even if you keep your furniture shop clean and tidy at all times, you can't always prevent an accident from happening. If a customer trips and suffers an injury while visiting your store, general liability is designed to cover you against potential third-party claims.
3. Business interruption resulting in loss of income.
If you're ever forced to temporarily close your furniture shop
due to property damage or any covered catastrophic event
, you could receive benefits to help you recoup some of your lost income.
Shielding Your Furniture Store Against Cyberattacks
While there are many advantages to conducting business online, there can be certain drawbacks as well. If you keep track of inventory with a web-based platform, accept credit card payments, rely on email campaigning, or advertise sales online, you should consider having
cyber liability insurance
coverage. This kind of policy can help you recover from the costs associated with a data breach or cyberattack. A key benefit of this type of policy is that you could receive assistance with the costs of legal expenses if your customers' information is stolen because of a hack.
Ensuring Your Employees Are Safe on the Road
Many furniture stores offer delivery services for customers. If your business owns or operates any vehicles, you should carry
commercial auto insurance
. This type of policy can protect you if an accident occurs in a vehicle used for work purposes, by helping to cover medical expenses, property damage, and liability claims. The specific coverage amount you're required to carry may vary by state.
How to Purchase Furniture Shop Insurance
Don't put your furniture shop's resources at risk. With customized furniture shop insurance solutions through AmTrust Financial, you could be covered against multiple hazards.
today to get the process started, or find out more about our
small business insurance
Electricians, plumbers, metal workers, interior decorators, painters, and other types of artisan contractors face certain challenges each time they conduct business.
Workers' compensation insurance can protect your firm from liability. Explore how a workers' comp insurance plan through AmTrust can benefit your business.
A bakery's sweet future can turn sour after kitchen accidents, oven fires and liability claims. Learn how you can stay protected with bakery insurance solutions from AmTrust.
Protecting your book store from unnecessary liability, like customer injuries, is vital to the success of your company. Explore the options for book shop insurance from AmTrust Financial.
You can't always stop an accident from happening, but you can be prepared for one. Learn more about workers' comp insurance for contractors from AmTrust Financial.
It's important to protect your dental office with customized insurance options, like workers' compensation coverage. Learn more about the importance of workers' comp for dentists.
Workers' compensation for doctors helps protect your business from unnecessary liability.
Protect your grocery store from liability. Learn more about grocery store insurance through AmTrust Financial to save on general liability, workers' comp and more.
Hot styling equipment and wet floors can increase a salon's liability exposure. Protect your team with hair salons workers' compensation and small business insurance solutions from AmTrust.
Protect your hardware store from risks. Learn more about workers’ comp and commercial property insurance through AmTrust Financial.
Home Goods Stores
Home Goods Stores
Protect your home goods business, employees and customers with the right small business insurance coverage. Learn more about home goods store insurance solutions from AmTrust Financial.
An insurance agency may face numerous business risks like data breaches, third-party claims, and more. Stay covered with workers’ comp insurance specifically insurance agencies from AmTrust.
Jewelry store owners need the appropriate protection for their valuable inventory and business operations. Learn more about customizable workers comp insurance coverage for jewelry stores from AmTrust.
Libraries house books and knowledge, but they also carry risks for staff and patrons. Learn more about library workers’ compensation and property insurance solutions available from AmTrust.
As a locksmith, executing a thorough risk management plan is key to your success. Find the coverage you need with locksmith insurance solutions from AmTrust.
Machine shops are a high-risk environment, for employees and consumers. Learn more about machine shop insurance coverage from AmTrust Financial.
Classrooms can be filled with hidden liability risks. Help keep your employees safe with private schools workers' compensation and business insurance solutions through AmTrust.
Workers' comp insurance is a necessity in professional offices, allowing you to cover the costs of employee injuries. Learn more about workers’ comp insurance through AmTrust Financial.
Restaurants can be surprisingly risky places, both for employees and patrons. Restaurant Insurance helps protect you from the costs associated with such risks.
Is your retail store ready for the unexpected? Find out how to protect yourself and your employees with workers' compensation and business insurance solutions for retail environments.
As a wholesale industry business owner make sure that your assets are protected. Get covered today with workers' compensation insurance through AmTrust.