Mattress Store Insurance Coverage Checklist
The coverages a mattress store 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 mattress and sleep retailers, including showrooms, online sellers, and used or refurbished bedding sellers. Priorities reflect typical exposure for this class; confirm against the store's actual products and delivery model.
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 |
|---|---|---|---|
| Commercial General Liability (incl. Products) | Covers showroom injuries, in-home delivery damage, and product claims — retailers have been named alongside manufacturers in mattress fiberglass suits. | Core | |
| Commercial Auto Liability | Covers delivery trucks driving daily in residential neighborhoods. | Core | |
| Commercial Property | Covers showrooms and warehouses; stored foam mattresses create a heavy fire load. | Core | |
| Workers' Compensation | Delivery crews lift heavy mattresses up stairs every day — a leading source of back and shoulder injuries. | Core | |
| Hired & Non-Owned Auto | Responds when employees drive personal or rented vehicles for deliveries or errands. | Prevalent | |
| Inland Marine / Transit | Covers inventory on trucks between warehouse, stores, and customers. | Prevalent | |
| Business Income | Replaces income if a fire or other loss closes a showroom or warehouse. | Prevalent | |
| Umbrella / Excess Liability | Extends limits above GL, auto, and employers liability; delivery-crew assault and product claims can be severe. | Prevalent | |
| Cyber / Privacy Liability | Covers customer financing applications, card data, and online orders. | Prevalent | |
| Employment Practices Liability | Covers claims by sales and delivery staff. | Prevalent | |
| Crime / Employee Theft | Covers employee theft of cash, deposits, and inventory. | Situational |
The coverage gap most often missed
The gap that catches mattress retailers most often is in-home delivery handled by contractors. Crews work inside customers' homes, and when something goes wrong — damage, theft, or an assault — the retailer is usually named alongside the delivery company, as in a 2019 Florida suit after a delivery worker killed a customer. Confirm delivery contractors carry their own auto, GL, and workers' compensation with the retailer named as additional insured, and that background checks cover contractor crews. Also confirm the GL does not exclude assault and battery.
Send us the checklist and we'll review your mattress store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Mattress Store Insurance · Mattress Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a mattress store business need?
The core coverages for a mattress store business are Commercial General Liability (incl. Products), Commercial Auto 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 mattress store 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.