Public liability and product liability cover built for furniture retailers, including the delivery and assembly work that takes your liability into a customer’s home.
Public liability and product liability cover built for furniture retailers, including the delivery and assembly work that takes your liability into a customer’s home.
Bulky stockStock in storageDelivery transit
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Furniture shop insurance is a combination of covers built around selling and delivering large, heavy items, public liability for injury or damage, product liability for what you sell, and employers’ liability if you have staff.
If you deliver and assemble furniture in a customer’s home, your liability follows the job onto their property, not just your shop floor.
Furniture shop insurance can include:
Public liabilityEmployers’ liabilityProduct liabilityDelivery & assembly coverBusiness interruptionBusiness van insurance (separate policy)
Public Liability
Covers claims if a customer or member of the public is injured or their property is damaged.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Product Liability
Covers claims that furniture you’ve sold caused harm.
Business Contents
Protects showroom fixtures, fittings and equipment.
Stock Insurance
Covers your stock against theft, fire or damage.
Does your cover follow furniture into a customer’s home?
Does your cover follow furniture into a customer’s home?
Delivery and assembly change where your liability sits, check your cover follows the job.
Delivery and assembly change where your liability sits, check your cover follows the job.
| Situation | Usually covered? | What to know |
|---|---|---|
A delivery driver scratches a doorframe | Yes, standard public liability | Third-party property damage |
An item is damaged in transit before delivery | Yes, with goods in transit cover | Check this is included, not assumed |
A wardrobe is assembled incorrectly and falls | Product and public liability may both apply | Depends whether the fault was the product or the assembly |
A customer is injured helping carry furniture in | Yes, standard public liability | Injury during delivery is exactly what this covers |
Top Tip
If your shop delivers and assembles furniture, make sure your policy explicitly covers work done in a customer’s home, not just goods leaving your premises.
There’s no fixed price. It depends on whether you deliver and assemble, your stock value, staff numbers and your claims history.
Delivery & assembly service
Working in a customer’s home adds risk beyond the shop floor.
Level of cover
Adding product liability or a higher limit increases your premium.
Number of staff
More employees increase your employers’ liability exposure.
Premises and location
Showroom size and location can affect your premium.
Value of stock
Higher-value furniture increases your contents cover premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get furniture shop insurance
How to get furniture shop insurance
Getting furniture shop insurance takes four steps: tell us about your shop, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting furniture shop insurance takes four steps: tell us about your shop, choose your covers, compare specialist insurers, then get covered, often the same day.
Tell us about your shop
What you sell, and whether you deliver and assemble.
Choose your covers
Public liability, product liability and any extras.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Furniture shop insurance guides
Furniture shop insurance guides
Practical advice on cover, delivery and staying protected.
Practical advice on cover, delivery and staying protected.
Do You Need Convenience Store Insurance If You Only Sell Newspapers and Snacks?
Running a small newsagent or corner shop that mainly sells newspapers, snacks, and drinks might seem simple. However, even small stores can face risks that could lead to unexpected costs. Convenience store insurance is designed to help protect your business, even if you only sell a limited range of products.
Why Newsagents and Corner Shops Need Tailored Insurance
Running a newsagent or corner shop comes with everyday risks. From stock damage to customer injuries, unexpected events can affect both finances and reputation. This is why arranging tailored insurance for newsagents and convenience stores is important.
What Does Convenience Store Insurance Protect You Against?
Running a corner shop or newsagent can be busy and rewarding. It also comes with risks that could affect your business if something goes wrong. Convenience store insurance is designed to help protect your shop, stock, and finances from a wide range of problems.
Off‑Licence & Specialty Retail Shop Insurance: What Extra Risks Should You Cover?
Running an off‑licence or specialty retail shop in the UK often brings unique challenges that may not apply to standard retail businesses. Whether selling alcohol, tobacco, perishable goods, or niche products, off‑licences and specialist shops can face additional risks that may require tailored insurance cover.
Shop Insurance Add‑ons: Legal Expenses & More
Arranging shop insurance in the UK can provide core protection for buildings, contents, and public liability, but many shop owners may benefit from exploring additional cover options. Certain risks can remain unprotected without carefully selected insurance add-ons.
Shop Equipment & Contents Cover: Avoiding Hidden Risks in Fixtures and Stock
Running a shop in the UK often involves more than protecting the building itself. Many retailers rely heavily on fixtures, fittings, specialist equipment, and valuable stock to operate successfully. Without the right shop insurance, these assets can be at risk from theft, accidental damage, or unforeseen incidents such as fire or flooding.
Furniture shop insurance FAQs
Furniture shop insurance FAQs
Straight answers on cover, delivery, assembly and cost.
Straight answers on cover, delivery, assembly and cost.
Furniture shop insurance is a combination of covers built around selling and delivering large, heavy items: public liability for injury or damage, product liability for what you sell, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.
Related shops we cover
Related shops we cover
Furniture shops share bulky-stock and delivery risks with these businesses. Each has its own cover needs.
Furniture shops share bulky-stock and delivery risks with these businesses. Each has its own cover needs.
Charity Shop Insurance
Second-hand furniture with similar handling and storage risks.
Online Retailer Insurance
Delivery, assembly and goods damaged in transit.
Interior Designer Insurance
Specification and supply of furnishings to clients.
