Upholstery Insurance
Coverage for upholsterers handling, transporting, and reworking a customer's furniture.
What this coverage is intended to address
- ✓Third-party bodily injury that may arise on your premises or while picking up and delivering pieces
- ✓Damage to a customer's furniture or property that may occur during transport, stripping, or reupholstery
- ✓Sewing machines, tools, fabric stock, and equipment scheduled on the policy against covered losses
- ✓Allegations tied to completed work, such as a claim that a reworked piece was damaged in the process
Coverage products commonly considered
Most upholstery 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.
- An antique sofa is alleged to have been damaged while being moved into the shop, prompting a property-damage claim from the customer — the policy is intended to respond in the event of a covered claim.
- A customer visiting the workshop trips over loose material and alleges injury. The general liability policy is generally intended to respond to a premises-related allegation of this type.
Frequently asked questions
Does upholstery insurance consider customer property in my care?
Furniture and goods left in your custody may be treated differently than your own property; care, custody, and control provisions vary by policy. Review the form and confirm details with a licensed insurance professional.
Are my machines and fabric inventory covered?
Equipment and stock can often be scheduled so they may be addressed against covered losses on the premises or in transit. Limits and eligibility vary by carrier and state.
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