Furniture Shop Insurance for the Shop Itself

Goods in transit is one of the sections in this product and can cover eligible stock while it is in transit within Great Britain, including loading and unloading, where the section is selected and subject to its limits and conditions. For furniture retail this matters more than for almost any other trade on the product, so it is worth reading the limits properly rather than assuming them.

That is the question to settle before you rely on anything here. It is third-party property damage, but it happened at a customer’s address rather than at your shop, and this page cannot tell you how your policy treats work away from the premises. Get it confirmed in writing at quote stage, because it is the most likely claim this trade has.

Not automatically. The property damage section responds at the premises named in your Schedule, so a warehouse, lock-up or container at another address has to be declared and shown on the Schedule rather than assumed to be included. Furniture is bulky enough that off-site storage is normal, which is exactly why it is worth checking.

On what it would cost to replace today rather than on what you paid. A showroom holds far fewer items than most shops and each one carries a much larger figure, so a small miscount is a large shortfall. Review the sum insured at renewal and whenever your range or your buying pattern changes materially.