Furniture Store Insurance

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

0330 134 4564 Get a quote

Our Solution for You

As a broker, SME Insurance Services 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 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.

High Street Heroes

You Could Save Over 15% With Us*

Mon-Fri: 9am - 6pm

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

Quote line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers' liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

Premiums from as little as £76.65

In the past 12 months our customers have paid as little as £76.65*** per annum for furniture store insurance.

60%**** of our furniture store customers paid less than £700 per annum in the past 12 months.

Why Insurance is Important for Furniture Stores

Just like any other retail store, furniture shops will have stock waiting to be sold and it is important for that stock to be protected. 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. Ultimately you will want to protect your livelihood as best you can, so make sure you have the right insurance in place to protect your business should you need it. 

About the Furniture Industry

Furniture stores come in a variety of different forms; from those that exclusively sell living room, dining room, and bedroom furniture, to those second hand shops that provide a wider array of items. It is a diverse industry with significant variances in the type and size of stores, with many selling big name brands to small independent stores specialising in hand-made, unique pieces. 

Whichever type of store you run and whatever type of furniture you sell, there are a number of critical factors that need to be considered to help make your business a success, from staffing and product range, to taking care of your customers’ needs. By making sure that each one of these factors is looked after, will help to make your business run more smoothly.


Terms and Conditions
* We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to SMEi, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.

** Optional cover may differ dependent upon insurer.

*** Data compared from 167 policies sold between January 2016 and January 2017.

**** Based on 167 policies sold between January 2016 and January 2017, 100 customers paid less than £700.

You Could Save Over 15% With Us*

Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

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

Call the quote line: 0330 134 4564

Mon-Fri: 9am - 6pm

Related FAQs See all FAQs

We have flexible payment options like monthly direct debits, however if you wish to pay up front you can use credit/debit cards, BACS, and American Express.


Once you have purchased your policy, you will be sent an email and sms with a link to your policy documents. They are also accessible by logging into the SME Insurance site and logging into your profile where all your policy documents are stored. If for any reason you cannot print your documents off or have technical issues then please call us on 0330 134 4600.


Yes, if you print your documents off they are valid policy documents.

Feefo Reviews
Based on 187 reviews

92% of our customers would recommend our service.

Customer Testimonials
Every year I get good service from SMEi. They are very helpful on the telephone and explain any queries I have to my satisfaction.

Stephen Jones

Log your renewal
Need a reminder?
Related News from SME

How to Start a Retail Business

Read our step-by-step guide to starting your own retail business from writing a business plan and establishing costs to understanding your legal…

High Street Heroes Survey

As a leading insurance provider to the shopping and retail sector, we conducted a study to explore how consumers feel about shopping on their local…

Take Time to Stop for a Brew – Celebrate Afternoon Tea Week

Whilst the British favourite afternoon tea has come back into popularity in recent years, it has been gracing our afternoons since the 1940s!…

Retail Industry Trends for 2019

Keeping abreast of the latest trends and developments in the shop industry could help retailers survive. Here are some to consider.

Quotes from a panel of UK Insurers