Furniture Distributor Insurance Coverage Checklist
The coverages a furniture distributor business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for residential, office, and hospitality furniture wholesalers and importers. Priorities reflect typical exposure for this class; confirm against your actual products and delivery operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Products Liability | Covers tip-over, collapse, and fire claims from furniture you sell, even when someone else made it. | Core | |
| General Liability | Covers injuries and property damage during delivery and setup. | Core | |
| Commercial Property | Covers warehouse and showroom stock — foam and upholstery burn fast. | Core | |
| Workers' Compensation | Covers warehouse and delivery crews lifting heavy pieces. | Core | |
| Commercial Auto | Covers delivery trucks and drivers. | Prevalent | |
| Umbrella / Excess Liability | Adds limits over products and auto liability; retailers often require it. | Prevalent | |
| Product Recall Expense | Pays to notify buyers and retrieve recalled furniture, such as dressers that fail the tip-over standard. | Prevalent | |
| Cargo / Inland Marine | Covers containers from overseas and goods on delivery trucks. | Prevalent | |
| Cyber Liability | Covers online ordering and customer data. | Situational |
The coverage gap most often missed
The gap most often missed by furniture distributors is liability for imported dressers and other clothing storage units. Tip-overs killed 199 children from 2000 to 2022, a federal stability standard has applied since 2023, and CPSC keeps recalling imported dressers that fail it. When the overseas maker cannot be reached, you carry the claim. Keep test reports for every model, and confirm your policy covers private-label and imported products.
Send us the checklist and we'll review your furniture distributor coverage line by line, then market it across multiple carriers that compete for your account.
Related: Furniture Distributor & Wholesaler Insurance · Furniture Distributor Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a furniture distributor business need?
The core coverages for a furniture distributor business are Products Liability, General Liability, Commercial Property, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my furniture distributor coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.