When operating a furniture store, getting business insurance coverage to protect your store should be top priority.
General liability insurance protects your business from financial strife of customer's legal or medical costs for injuries while on your business’s property. This will cover your legal defense and the costs associated with the loss if you are found liable, up to your policy limits.
Property damage, whether it is from fire, extreme weather conditions, or natural disasters, flood from severe rainstorm, property insurance would cover the cost of repairing or replacing your business-related property including structural damage to your building and the business materials you store there.
Workers compensation insurance is required by law in most states of the US. If an employee is injured in a work related accident, workers compensation will pay for their medical care and recovery expenses. Your business will also not be responsible for the damages or sued by your employee.
Many shoppers at furniture stores use credit cards to pay for their purchases or provide personal information, including social security numbers, to apply for financing. This coverage can pay for credit monitoring services and other damages in the event of your business’s computer system getting hacked.
This provides coverage in the event that a current or former employee sues your furniture store for any number of illegal business practices, such as wrongful termination, harassment or discrimination.
Vehicle used for business operation such as delivering or picking up supplies for furniture stores should be covered by business auto insurance. Business auto insurance provides coverage against accidents, vehicle damage, theft, or vandalism while using your vehicle for business purposes.
If you own a furniture store, you will want to be sure to protect your investment with a suitable business insurance coverage. Having the right insurance coverage can also help your business grow and thrive.
As a furniture store owner, it is important for you to maintain insurance that adequately covers any potential liability and claims that may arise from doing business - a step that ensures that you remain profitable, no matter the financial climate.
Running a furniture store without insurance is taking a mighty huge risk. Our broad, tailored coverage options and enhancements are based on our deep knowledge and experience in the furniture store insurances, and specifically designed to meet the needs of our customers.
At Business Insurance Agency, we will take the time to get to know your business and assess the risks involved in your business, and can assist you with the right coverage options you need at an affordable price.
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