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Furniture Store Insurance

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Customized insurance for furniture stores.

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When it comes to furniture store insurance, you want your coverage to keep you comfortable. With a PolicySweet® Business Owners Policy, we’ll make sure your coverage makes you feel right at home. Each furniture store insurance policy is hand-crafted to fit your needs.


What Type of Insurance Should I Consider for My Furniture Store?

Business insurance policies can help protect a furniture store from potential risks, liabilities, and financial harm. These policies can help cover common risks a furniture store could face:

  • Business Owners Policy
    • General Liability
    • Property Insurance
    • Cyber Insurance
  • Workers’ Compensation
  • HomeHQSM

Business Owners Policy

Whether you lease or own the location of your business, a Business Owners Policy could help protect you from several risks. General liability, property, and cyber coverages are combined into one policy.

General Liability Insurance

Should a third-party experience injuries or property damage, general liability coverage could help protect your business. It may cover expenses and legal fees associated with third-party claims.

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GENERAL LIABILITY INSURANCE

 


Property Insurance

If your business has a large number of assets or property associated with a high value this type of coverage could be critical. It could help protect your business if you are unable to operate due to damaged equipment or property outlined in your policy.

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PROPERTY INSURANCE  


Cyber Insurance

It could help protect your business from the impact of a data breach, network security attack, or cyber-attack.

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CYBER INSURANCE  


Workers’ Compensation Insurance

For employees injured on the job, Workers’ Compensation coverage could help provide the injured employee relief. It could cover lost wages while they recover as well as medical bills.

HomeHQ

Did you know that your business activities may not be covered under your homeowners or renters insurance policy? A home-based business insurance policy like HomeHQ could help protect your at-home business.


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Top Tips for Identifying and Managing Business Risks

Salon owner managing product inventory

Is your business ready if a disaster strikes?

As a business owner, there are several different risks that your business may be exposed to and not properly planning for these risks could entirely cripple your business's operations. Plus, it may cost your business a lot of resources and finances to recover from an event.

However, there is a way that you may be able to protect your business, as well as your employees from an unexpected event. Are you interested in learning more about identifying potential risks that your business may face?

We have created a quick guide to help you better understand. Keep reading to learn more!

What Is Business Risk?

A business risk is when there is a chance of something harmful or unexpected to happen to your business. It could impact the profit that your business is making or put your business in jeopardy of failing.

Some business risks include:

  • Fire
  • Vandalism
  • Theft
  • Equipment breakdown
  • Firewall and network security attacks
  • Computer viruses
  • Cyber hackers
  • Bodily injuries to customers caused by business property or assets
  • Employee injuries and illnesses due to a work-related incident

Finding ways to minimize the potential risk that your business faces is essential to ensure your organization's longevity.

Understanding How to Identify Potential Risks for Your Business

The process of identifying potential risks is referred to as risk management. Risk management is when a company identifies, analyzes, and finds ways to help reduce the potential impact that risks can have on the business before it happens.

Awareness and preparation are the most beneficial factors that your business can have while preparing to be exposed to potential risks.

Completing a risk management investigation can allow your company to develop strategies to lessen the impact an incident could have on your business or prevent it from happening. Two strategies that may help to reduce risks are implementing a safe work environment implementing a regular maintenance routine to help prevent equipment breakdown.

How to Protect Your Business from Risks

We know that it is impossible for your company to eliminate every potential risk it could be exposed to, which is why it is essential for your organization to prepare for the worst possible situation.

Business insurance could help protect your business and reduce the impact a risk could have on your company. PolicySweet® offers Workers’ Compensation insurance to cover injuries that occur at the workplace and general liability, business property, and cyber insurance as part of our Business Owners Policy (BOP).

Are you interested in investing in business insurance to help reduce the impact that a potential risk could have on your company? Contact us to learn more or request a quote today.

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