Upholstery Shop Insurance

It's easy to get insurance for upholstery services if you have your business information on hand. Our application will ask for basic facts about your company, such as type of business and number of employees.

You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

1. Complete a free online application.
2. Compare insurance quotes and choose a policy.
3. Pay for your policy and download a certificate.

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your upholstery business, whether you work independently or hire employees.

Yes, your upholstery store should carry product liability insurance. This coverage is usually included in general liability insurance, or you can buy it as a standalone policy.

Any business that handles products can be held liable for defects that cause an injury or damage someone's property. That could means thousands of dollars in legal fees and medical bills.

Though an upholstery shop is less likely to sell a defective product, a piece of repaired furniture could still cause harm. For instance, a reupholstered chair could break when a customer sits on it, and they might blame your shop.

It's also important to reduce your product liability risks to avoid these types of claims. Examine your work carefully to make sure there aren't any defects. Claims are costly—and they can also make your insurance rates go up.

Protection against theft is a must-have when you store valuable furniture, including items that belong to your customers.

Commercial property insurance, included in a business owner's policy, covers costs in the event of a burglary at your shop. It also covers property damage from fires and storms.

However, property insurance only protects items that you own. You must add bailee coverage, a form of inland marine insurance, to insure your customers’ furniture and other client property while it is being left in your possession.

To guard against dishonest employees, you might also consider commercial crime insurance. This policy will cover costs if an employee forges your signature or makes off with a valuable item. You can typically add it to your property policy or BOP.

In addition to insurance, it's important to invest in security cameras to prevent theft. This can also lower your premium, but you'll have to check with your insurance company to see which security measures qualify you for a discount.