CASURANCE× TRAVELERS COMMERCIAL
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RetailSIC 5712

Furniture Store Insurance in California

Commercial insurance for furniture retailers, showrooms, and home furnishings stores.

Furniture Store Insurance - Travelers commercial insurance coverage

Common Risks & Exposures for Furniture Store

  • Customer injury from floor model furniture
  • Delivery and installation property damage
  • High-value inventory theft
  • Fire/water damage to large showroom inventory
Furniture Store Insurance on the job

Coverage Options for Furniture Store

Furniture retail is a preferred Travelers BOP class. Delivery operations and warehousing should be disclosed.

Business Owners Policy

Bundles general liability and commercial property into a single, typically lower-cost policy for smaller and mid-sized operations.

General Liability

Protects against third-party claims of bodily injury, property damage, and advertising injury arising from your operations — the foundation of most commercial policies.

Workers Compensation

Covers medical costs and lost wages for employees injured on the job, and is required in California for nearly every business with employees.

Commercial Auto

Covers owned, leased, or hired vehicles used for business purposes, including liability and physical damage from accidents.

Lease, Vendor & Compliance Requirements

Certificate of Insurance naming your landlord as additional insured, as required by most commercial leases
Business personal property and inventory values documented for accurate coverage limits
Point-of-sale and security system information on file, which can influence theft coverage and pricing
Vendor or supplier contracts reviewed for indemnification and product liability allocation
Seasonal inventory fluctuations reported so property limits stay adequate year-round

What Underwriters Ask About Furniture Store

These are the main quote factors Travelers underwriters typically review for this class:

  • Annual revenue
  • Peak inventory value
  • Delivery trucks owned?
  • Warehousing square footage
  • Custom order percentage?

Have an Expiring Policy or Loss Runs?

Upload your current declarations page, loss runs, or CSLB/license documentation with your quote request and we'll factor them into your furniture store quote — often speeding up turnaround time.

Frequently Asked Questions

Related Retail Classes

Clothing Store InsuranceBeauty Supply Store InsuranceElectronics Retailer InsuranceFlorist InsuranceJewelry Store InsuranceSporting Goods Store Insurance

Get a Furniture Store Insurance Quote

Tell us about your business and Casurance can help you review Travelers coverage options for furniture store.

Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage.

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Casurance Insurance Agency is an independent insurance agency. This website is not owned or operated by Travelers. Travelers and the Travelers umbrella logo are registered trademarks of The Travelers Indemnity Company. Coverage availability, pricing, eligibility, and terms are subject to underwriting approval, policy provisions, and state availability.