Furniture Store Insurance
Furniture stores showcase heavy, tall pieces that customers test and lean on, where a tipping cabinet or staged setup can cause serious injury.
What this coverage is intended to address
- ✓General liability is intended to respond if a heavy item, such as a bookcase or dresser, tips over and injures a customer browsing your showroom.
- ✓Product liability is generally intended to respond if furniture you sold is alleged to have collapsed or failed and caused harm at a buyer's home.
- ✓Business property protection may help respond, in the event of a covered claim, to damage affecting your showroom pieces, staging fixtures, and warehouse inventory.
Coverage products commonly considered
Most furniture store 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.
- Suppose a customer leans against a freestanding wardrobe on display and it topples, striking them — general liability is intended to respond to that bodily injury claim.
- Imagine a dining chair you sold is alleged to have collapsed under a guest and caused a back injury; product liability may help respond to the injury allegation.
Frequently asked questions
Are delivery-related injuries considered?
A claim arising while delivering furniture to a customer can be involved, and liability coverage may help respond depending on the circumstances and your specific policy terms.
What if a display piece falls on a child?
If an unsecured showroom item tips and injures a visitor on your premises, general liability is intended to respond to that claim in the event it is covered.
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