Furniture Shop Insurance

Furniture can easily become damaged in a number of ways; by a member of the public or staff or in transit. Our policies can protect your goods and business from accidents.

As a broker, smei is not limited to the offerings of a single insurer. Our role is to select the most suitable insurance cover, based on your needs, from a panel of UK insurers, aiming to provide you with appropriate cover at a competitive price.

We’re passionate about independent high street businesses like Live Like The Boy in Colne, Lancashire (pictured above) and offering protection for their shops. We have a team of insurance experts who can offer help and specialist knowledge on the type and level of insurance a furniture shop will typically need. With over 7,000 retail establishments already on cover, you can be assured that we have the experience and expertise to look after your needs.

Insurance is there to protect your furniture shop in the event of an accident. From public liability insurance to business interruption cover, insurance protects you from the financial consequences of an unexpected event. So you can get on with running your business.

You Could Save Over 30%*

Contact our team to receive a no obligation, instant quote today.

Get in Touch

03301 620 311

Accidental damage.
Book debts/accounts receivable.
Business interruption.
Contents insurance.
Employers liability.
Glass.
Money on premises or in safe.
Money on the premises outside business hours.
Public and products liability.

Buildings cover.
Embedded breakdown.
Goods in transit.
Legal expenses.
Loss of rent receivable.
Subsidence.
Tenants improvements.
Terrorism.

Premiums from as little as

£426

In the last 12 months our customers have paid as little as £426 per annum for furniture shop insurance. That’s just £8 per week!

50% of our furniture shop customers paid less than £1,270 per annum.***

Why Insurance is Important for Furniture Shops

By taking out business insurance, you can make sure that the all-important aspects of your business are protected against any problems that may arise. Whether your stock is damaged in a flood, stolen, or a member of the public injures themselves in your shop – insurance covers the financial impact so you don’t have to worry.

Why Choose smei for Furniture Shop Insurance?

Because we’re a specialist broker, we work differently to traditional insurers. By choosing us to find your furniture shop insurance, we can:

Arrange an insurance policy that’s tailored to your needs.
Ensure you only pay for the covers that you need and want.
Provide renewal reminder dates so your furniture shop is never without insurance.
Find you all this for the best possible price – you could even save over 15% on your quote!

Get a Furniture Shop Insurance Quote

We can give you a fast, no obligation quote in just a couple of minutes and all we need from you is basic information about your business, including personal details. These will be used for the purposes of the quotation only and will be stored. A member of our team may use your telephone number or email to contact you to discuss your quotation further.

If you want your insurance to start the same day you get a quote, just let us know and we’ll be able to arrange that for you. Otherwise, let us know the day you want your policy to start.

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 41 policies sold in 2023. 10 customers paid £426 or less, which represents 24%. £8 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.

Frequently Asked Questions

The cost of your policy depends on your needs. Our policies are flexible and can adapt to fit your requirements. So, whether you're a small village shop or a large, out-of-town retailer we can match you with the policy you need. For example, multiple options may be available from our panel of insurers - each with different features and prices. We will present you with the possibilities so you can make an informed decision on which option is best for you.

As you constantly have members of the public filtering in and out of your shop, public liability insurance is crucial. This type of insurance protects you if a member of the public is injured or their property is damaged on your premises. Your contents and stock are your livelihood and protecting them will ensure your business doesn't suffer. Contents insurance protects your goods in the case of theft, damage or devastation such as fire and floods. If you have employees, you are required by law to have employers liability insurance (unless your employees are immediate family or your spouse). This protects you if an employee becomes injured or seriously ill as a result of working for you. Finally, you may want to consider financial protection and business interruption cover. Financial protection ensures that cash on your premises is safe. Similarly, business interruption cover is necessary to protect you in the event your shop is closed due to damage.

There is a wide range of optional cover available depending on your needs. If you own your shop premises, then you will need buildings insurance to protect your bricks and mortar. If, however, you rent your premises, check with your landlord to see if your building is covered. We can arrange flexible policies that match your needs - all you have to do is tell us what your key risks are and what you need covering, and we'll do our best to arrange appropriate cover at a competitive price.