Furniture Refinishing Insurance
Stripping, sanding, staining, and refinishing furniture means solvents, dust, and finishes worked on valuable pieces in shops and clients' homes alike.
What this coverage is intended to address
- ✓General liability intended to respond to third-party property damage, such as a stain spill marking a client's floor or an adjacent piece.
- ✓Bodily injury protection intended to address a client injured around your work area, fumes, or staged pieces.
- ✓Completed-operations coverage generally intended to respond if a refinished surface fails or reacts after the piece is returned.
- ✓Tools and equipment (inland marine) intended to help replace sanders, sprayers, and respirators if stolen or damaged.
Coverage products commonly considered
Most furniture refinishing 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.
- Picture an open can of stripper tipping onto a client's hardwood floor during an on-site job; in the event of a covered claim, general liability is intended to respond to the cleanup and repair demand.
- Suppose a freshly sprayed finish reacts and damages an antique you were refinishing in your shop — coverage may help respond to a resulting third-party claim, subject to the policy.
Frequently asked questions
Does this respond if a finish damages a client's floor?
Accidental third-party property damage from spills or overspray is generally intended to be addressed by general liability, in the event of a covered claim and within policy terms.
Are my sprayers and sanders covered off-site?
A tools and equipment option is intended to help respond if your refinishing gear is stolen or damaged away from the shop, subject to the policy's limits.
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