What Should You Look for in Your Furniture Dealer Insurance Policy

What Should You Look for in Your Furniture Dealer Insurance Policy

furniture dealers insurance

Is your furniture company fully covered against damages and liability? Your business is a complex operation; as such, your insurance policy needs to cover a wide range of potential issues. While this may seem complicated, there are a few important things you need to consider as you research furniture dealers insurance policies.

Merchandise Coverage

One of the most important assets of your business is the merchandise, and you want to make sure that your product is protected against potential loss. An ideal policy should cover both stolen and damaged goods on or off-site. Additionally, your storefront or warehouse needs to be covered against potential fire, vandalism or other destruction. Lastly, your coverage should protect you against delayed or incorrect supplier deliveries that may result in customer issues.

Employee Coverage

As a furniture retailer, you are responsible for any harm to your employees. Because workers will be responsible for lifting and transporting heavy items, you want to make sure that they are covered against injury. As such, you need a policy that provides workman’s comp in case of injury on duty. Additionally, you need to make sure that you are protected against car accidents and resulting injury when employees are out for delivery.

Ultimately, your complex business needs a complex policy. As you review potential furniture dealers insurance policies, you need to make sure your whole business is covered.