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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.

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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

Different types of charity shops have varying needs of protection. For example, your charity shop may sell everything from clothing and books, to electrical items such as televisions and sound systems, or you may need cover for fundraising events and activities. The policies that you include in your charity's insurance package may be influenced by a number of factors, including the size and nature of your charity, and the work it carries out. Why not speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs.

If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. As you have members of the public filtering in and out of your charity shop, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or stock is damaged as a result of you or your employee's negligence. For charity shops, stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing.

As you constantly have members of the public filtering in and out of your supermarket, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or their property is damaged as a result of you or your employee's negligence. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. Stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around key dates when you would carry goods that are more expensive than usual, like at Christmas for example.

Each supermarket has varying needs of protection. For example, your supermarket may have an onsite bakery or you may have a large amount of frozen stock that you need to insure. Speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs.

The cost of your insurance policy depends entirely on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers - each with differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you.

Some types of insurance may be a legal requirement. Others will protect you and your supermarket in the event of a claim but are not compulsory. Not having the right insurance or inappropriate cover for your supermarket could be a false economy. For example, if you don't have public liability insurance and a customer trips over a box left on the floor you may be liable to pay costs of compensation. Therefore, it's important to consider all the risks facing your supermarket and match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business.

Some types of insurance may be a legal requirement. Others will protect you and your bike shop in the event of a claim but are not compulsory. Not having the right insurance for your bike shop could be a false economy. For example, if you don't have public liability insurance and a customer trips over equipment or boxes on the floor, you may be liable to pay compensation costs. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business.

Some types of insurance may be a legal requirement. Others will protect you and your charity shop in the event of a claim but are not compulsory. Your charity will likely be interacting with members of the public on a daily basis, which means there's a risk of your charity's activities causing injury, illness or property damage to a third party. If an unexpected situation occurs, then you could be held liable for the damage, and financially responsible for legal fees and compensation. Public liability insurance for charities could cover you in this situation.

For bike shops, stock insurance should be a high priority, especially given the value of the products you are selling. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around busier seasonal periods when you may offer bikes and equipment that are more expensive or exclusive.


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You Could Save Over 30%*