Furniture Assembly Insurance
Assembling flat-pack and ready-to-build furniture in homes and offices means power tools, heavy pieces, and work right next to a client's existing belongings.
What this coverage is intended to address
- ✓General liability intended to respond to property damage, such as a drill slipping into a wall or a heavy unit scratching a floor.
- ✓Third-party bodily injury protection intended to address a client injured by a falling piece or a tool left underfoot.
- ✓Completed-operations coverage generally intended to respond if an assembled item, like a wall-anchored bookcase, fails after you leave.
- ✓Tools and equipment (inland marine) intended to help replace drivers, drills, and bit sets if stolen or damaged.
Coverage products commonly considered
Most furniture assembly operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Imagine a fully built wardrobe tipping while being stood upright and striking a client's dresser; in the event of a covered claim, general liability is intended to respond to the damage demand.
- Suppose a tall shelving unit you anchored pulls from the wall later and damages items below — completed-operations coverage may help respond to the claim.
Frequently asked questions
Does this address damage to a client's other furniture?
Accidental third-party property damage to a client's existing belongings is generally intended to be addressed by general liability, in the event of a covered claim.
What if an anchored piece falls after assembly?
Completed-operations coverage is generally intended to respond to property damage or injury arising from your finished assembly work, subject to the policy.
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