Reupholstery & Furniture Repair Insurance — Coverage, Cost & Requirements
Reupholstery shops and furniture repair businesses face customer property damage claims if client pieces are damaged during repair. General liability covers fires from solvent use, employee injuries from staple guns and cutting tools, and premises liability for customers visiting the shop. Bailee coverage protects client furniture in your care, custody, and control.
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What Coverage Does Reupholstery & Furniture Repair Insurance Include?
Most reupholstery & furniture repair businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Bailee Coverage
Covers property of others in your care — critical for pet groomers and repair shops.
Business Personal Property
Business Personal Property coverage tailored for reupholstery & furniture repair businesses.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
How Much Does Reupholstery & Furniture Repair Insurance Cost?
The cost of reupholstery & furniture repair insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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