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These establishments sell household and/or office furniture, including desks, office chairs, beds, bedroom furniture, living room furniture, dining room furniture, patio furniture and sometimes artwork and nic nacs. Furniture may be sold directly from the floor of the store or ordered through catalogs or samples in showrooms and shipped to customers. Furniture may be sold in conjunction with major appliances, floor coverings and/or home electronics. Items may be unassembled, used or unpainted. Some furniture stores may offer custom designing, interior designing and/or installation services.

General Liability Insurance for Furniture Stores – Furniture stores must provide adequate and clean walking space. There should be no potential for customers to slip and fall. Deliveries should be made through a rear entry in order to prevent customer contact and the related risk of collisions. If there is no rear entrance to the furniture store, an employee should closely supervise the delivery being careful to warn all customers in close proximity to not get too close to the cargo. Outdoor walk areas and parking lots should also be kept in good condition. If the store offers furniture customization, then products liability is increased. Products liability risks are also increased if bedding is available or furniture is sold for children and babies. Procedures must be in place to ensure applicable statutory requirements are met.

Workers’ Compensation Insurance for Furniture Stores – Lifting is a major concern at furniture stores because much of the merchandise is bulky and heavy. Training should be provided to teach proper lifting techniques and the use of conveyance equipment such as hand trucks and dollies. Employees should also ask for help when lifting heavy and bulky items. Furniture store employees may be injured while delivering and setting up furniture. On the job training should be provided to ensure proper use of the tools and equipment necessary. Injuries may also occur by employees working on repairs. Protective eyewear should be worn and safety training should be enforced.

Business Auto Insurance for Furniture Stores – Furniture stores usually offer pickup and delivery services, which results in increased risks for auto accidents. Regular MVR checks with good driving records should be required of all drivers. Driver training instruction should also be given to new delivery drivers. Delivery vehicles should work properly and be maintained regularly. Recent model vans and trucks should be provided by the furniture store for deliveries. Damage to premises and customers’ contents can occur during loading and unloading of furniture into trucks.

Property Insurance for Furniture Stores – The construction type and age of furniture stores are primary risk factors for fire. Buildings older than 20 years should have wiring and electrical systems updated to lower the risks. Flammable products used for repairs in furniture stores can also pose a fire hazard. These products should be used properly and stored away from the merchandise. Furniture that is made of wood and fabric can also increase the likelihood of a fire. Theft may also be a concern in furniture stores. The use of security systems should reduce the risk of theft.

Crime Insurance for Furniture Stores – One of the most important controls to prevent embezzlement by dishonest furniture store employees is to require prospective employees to undergo rigorous pre-employment screening to include a detailed application, reference checks, and a criminal background check. Duties should also be separated in order to prevent employee embezzlement. Employees who are authorized to withdraw and deposit funds should not be allowed to reconcile bank statements. Inventory should be monitored regularly to help prevent employees from stealing merchandise. Another crime risk at furniture stores includes theft of money and securities by burglary.