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Home Decor Store Insurance
Housewares, Home Decor, Window Treatments, or Art Store
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Why do home decor stores need insurance?
You stock a wide range of housewares and home goods for your customers, but each product brings risk. Business insurance pays for legal bills if a customer sues your shop over harm caused by a product. It can also cover expenses from a data breach, fire, burglary, or car accident.
Find affordable coverage
Small business owners can save money on insurance by comparing rates from trusted providers.
Fill out Insureon's easy online application to get free quotes for your home decor store and advice from a licensed agent.
What type of insurance is recommended for a home goods store?
These insurance policies cover the most common risks at stores that sell picture frames, throw pillows, plant pots, and other decorative items.
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for owners of home decor stores to buy general liability coverage and commercial property insurance together.
BEST FOR
- Injuries caused by home decorations
- Damaged rugs or other inventory
- Business interruption coverage
General liability insurance
A general liability policy covers third-party lawsuits from injuries and property damage. For example, a customer could sue if they're injured by a sharp corner on a decorative mirror.
BEST FOR
- Customer bodily injuries
- Product liability claims
- Libel and other advertising injuries
Workers’ compensation insurance
Most states require workers' comp as soon as a home decor business hires its first employee. It also protects sole proprietors from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from work-related injuries
Cyber insurance
This policy helps home goods stores recover financially from data breaches and cyberattacks. It’s recommended for any business that handles credit cards or other customer data.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyber extortion demands
Commercial umbrella insurance
Umbrella insurance boosts coverage on a home decor store's general liability, employer’s liability, or commercial auto insurance policy once the limit is reached on a claim.
BEST FOR
- Customer injury lawsuits
- Employee injury lawsuits
- Auto accident lawsuits
Commercial auto insurance
This policy covers legal defense costs if your housewares store's delivery van or other vehicle gets into an accident. Each state has its own requirements for auto liability insurance.
BEST FOR
- Injuries caused to another person
- Property damage caused by your vehicle
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does insurance cost for a home decor store?
A home decor store with only a few employees won't have to pay a lot for business insurance.
Factors that affect the cost of retail business insurance include:
- Products you sell, such as candles, gifts, specialty foods, or furniture
- Services you offer, such as delivery or furniture assembly
- Whether you have a brick-and-mortar business or an e-commerce business
- Business operations and income
- Policy limits and deductibles
- Claims history
How do I get home decor store insurance?
It's easy to get home decor store insurance if you have your company's information on hand. Our application will ask for basic facts about your shop, such as revenue and number of employees.
You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policy and download a certificate.
Insureon's licensed insurance agents work with top-rated U.S. insurance companies to find the right coverage for your business needs, whether you work independently or hire employees.
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FAQs about business insurance for home goods stores
Review answers to frequently asked questions about insurance for stores that specialize in housewares, home decor, and home goods.
Do home decor shops need product liability insurance?
Product liability insurance is crucial for every retail store, including your home decor shop.
This policy covers a wide range of product lawsuits, such as:
- Broken glass in a picture frame that injures a customer
- A decorative bench that collapses when someone sits on it
- A garden statue that topples over and cracks a patio
- A fire caused by defective holiday lights
- Lack of warning labels on window blinds
- Errors in furniture assembly instructions
Product liability insurance covers legal costs when a product sold at your store causes a bodily injury or damages someone's property. Because you sell a wide variety of items, this is one of the most important policies for your home goods store.
If a customer is harmed by a faulty product or inadequate warnings, the resulting legal bills could bankrupt your small business. Even if you weren't responsible for the product defect that caused the issue, you could still be held liable. That's why retailers, manufacturers, wholesalers, and distributors all need this coverage.
When you buy commercial general liability insurance or a business owner's policy, it usually includes product liability insurance. You might also see this coverage called products-completed operations insurance.
Does home decor store insurance protect against theft?
Yes, you can buy business insurance that protects against losses from theft. These types of insurance reimburse your home goods store for burglaries and similar incidents:
- Commercial property insurance covers theft of vases, candle holders, silverware, antiques, and other products from your store. It also protects against vandalism, fires, storms, and other events that damage or destroy business property. You can save money by bundling it with general liability insurance in a business owner's policy.
- Commercial crime insurance protects against losses related to employee dishonesty, such as cash register theft or check fraud. You can usually add it to your business property insurance.
Property claims cause your premium to go up, which is another reason it's best to prevent theft in the first place. Some insurers even offer a discount when you install an approved security system or take other steps they recommend.
What other types of insurance policies should home goods stores carry?
Small business owners should consider several other types of coverage as part of a risk management strategy for a home decor store. That might include:
- Business income insurance: This policy covers employee wages, rent, lost income, and day-to-day expenses when your store is forced to close due to damage from a fire, storm, or other unexpected event. It's also called business interruption insurance.
- Equipment breakdown insurance: If a point of sale device or other piece of business equipment fails unexpectedly, this policy can help pay to repair or replace it.
- Electronic data processing insurance: This policy protects against financial losses related to data loss on computers, backup drives, operating systems, network storage servers, and other eligible devices.
- Inland marine insurance: Because commercial property insurance only covers items at your business address, you may need inland marine insurance to protect shipments of patio furniture, rugs, and other products while they are in transit or stored off-site.
- Product recall insurance: Home goods stores can face significant losses when a product is recalled. This policy helps cover the cost of removing defective products, along with related PR efforts.
If you have questions or need help finding the right insurance solutions for your risks, chat with a licensed agent today.