You sold it. Then you delivered it.
Cover for homeware, furniture and interiors retailers: the showroom, the stock, and everything that happens between the shop and the customer’s hallway.
Homeware and furniture retail insurance
Usually includes
Showroom & fit-out
Stock
Goods in transit
Public liability
Products liability
Tools & equipment
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The premises, your stock, your liability and the trade you would lose, priced in one go rather than piece by piece.
Know your cover
What is furniture retail insurance?
A furniture business does not stop being liable at the door. The goods are bulky and valuable, they travel by van, and somebody carries them into a customer’s house and often assembles them there. That last stage is where the claims are: a scratched floor, a damaged wall, an injury on a staircase. Cover is built around the showroom and stock, with transit, delivery and installation liability alongside.
It covers the showroom
The premises, the display stock and the fit-out that makes a showroom work.
It covers the journey
Goods in transit between a warehouse, a showroom and a customer’s address.
It covers the installation
Damage caused in a customer’s home while carrying in or fitting what they bought.
Who it’s for
Whatever you sell.
✓
Furniture showrooms
Large display stock, long lead times and delivery as part of the sale.
✓
Homeware and interiors shops
Smaller items in volume, breakable, and a fit-out that is part of the appeal.
✓
Bed and mattress retailers
Bulky goods, disposal of the old item, and delivery into bedrooms.
✓
Kitchen and bathroom showrooms
A sale that includes design and often fitting by your own people or subcontractors.
✓
Flooring and carpet retailers
Fitting in occupied homes, where damage to the property is the recurring claim.
✓
Retailers with a warehouse
Stock held away from the shop, which needs its own sum insured and security.
What we cover
Cover built around your showroom.
We ask what you sell, how it reaches the customer and who installs it before we approach anyone. Then show you what’s available, and you decide what fits.
Showroom & fit-out
The premises, the display areas and the fit-out, including any warehouse or storage behind it.
Stock
Display and warehouse stock, and the customer orders sitting in the building waiting to go out.
Goods in transit
Deliveries in and out, whether in your own van or with a carrier you appointed.
Public liability
Injury or damage in the showroom, and in a customer’s home while delivering or fitting.
Products liability
Harm caused by furniture you supplied or fitted, which reaches a retailer as well as the maker.
Tools & equipment
Fitting tools, trolleys, lifting equipment and anything carried to a customer’s address.
Employers’ liability
Required by law from your first employee, including drivers and fitters.
Business interruption
The orders lost while the showroom or the warehouse cannot operate.
Cyber & data
Customer orders, deposits taken and the address data that tells somebody where the goods are going.
Who this cover tends to suit.
This cover is generally bought by furniture, homeware and interiors retailers, from a single showroom to a business with a warehouse and its own delivery fleet. Not every part will apply to every business, so tell us how you’re set up and we’ll show you what’s relevant.
Worth knowing
Check the details before you choose.
Fitting subcontractors need declaring
If somebody else fits what you sell, your liability to the customer usually stays yours. Tell us who fits, and whether they carry their own cover.
Deposits are a real exposure
Money taken for goods not yet delivered is a liability rather than income. It affects how a business interruption claim is calculated.
Delivery in your own van is a choice
Your own vehicles bring motor and transit questions; a carrier brings a contract instead. Both work, but they are underwritten differently.
Warehouse stock has its own security
Stock held away from the shop is normally rated and conditioned separately, including how the building is protected out of hours.
Every order is different.
A cushion and a fitted kitchen don’t carry the same risk, so we ask different questions for each.
Furniture showrooms
Homeware and interiors
Beds and mattresses
Sofas and upholstery
Kitchens
Bathrooms
Flooring and carpets
Curtains and blinds
Lighting
Garden furniture
Delivery and installation
Own delivery fleet
Warehouse storage
Made to order
Online and showroom
Trade and retail
Furniture showrooms
Homeware and interiors
Beds and mattresses
Sofas and upholstery
Kitchens
Bathrooms
Flooring and carpets
Curtains and blinds
Lighting
Garden furniture
Delivery and installation
Own delivery fleet
Warehouse storage
Made to order
Online and showroom
Trade and retail
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
The delivery gets covered, not assumed
Most claims in this trade happen in a customer’s home rather than in the showroom. We make sure that stage is on the policy.
02
Fitters get declared
Employed or subcontracted changes the position, and your liability to the customer usually stays yours either way. We establish it up front.
03
Warehouse stock is presented separately
Stock away from the shop carries its own conditions. We describe it properly rather than fold it into one figure.
04
We present the risk right
Stock values, delivery arrangements, fitting, staff and claims history. How it’s framed changes what you pay.
You talk to a person. The machines do the typing.
Free review of your homeware and furniture retail cover and costs.
On a policy that stops at the shop door? Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
If somebody else fits what you sell, your liability to the customer usually stays yours regardless, which is worth checking against who actually carries cover for the fitting.
Money taken for goods not yet delivered is a liability rather than income, and it affects how a business interruption claim would be calculated.
We approach insurers on our panel who write furniture and homeware retail risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Furniture retail insurance questions, answered straight.
What insurance does a furniture retailer need?
Am I liable if we damage a customer's house on delivery?
What if the goods are damaged in transit?
Are subcontract fitters covered?
Do I need products liability as a retailer rather than a maker?
How should I insure warehouse stock?
What happens to customer deposits if we cannot trade?
Does made-to-order stock change anything?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.