Solid Coverage for a Solid Craft
Whether you craft bespoke hardwood tables or mass-produce upholstered seating, your furniture manufacturing business faces a unique set of challenges. From sharp tools and heavy lifting to flammable finishes and global distribution, the risks are real. That’s why having the right Furniture Manufacturing Insurance is essential.
What’s Included in Furniture Manufacturing Insurance?
Your insurance package will be customised to match your facility’s size, production method, and materials used. Typical policies include:
General Liability Insurance – Protection if a third party is injured at your facility or due to a defective product
Commercial Property Insurance – Covers your workshop, office, tools, lumber, fabrics, adhesives, and completed furniture
Workers’ Compensation Insurance – A legal requirement in California, this covers employee injuries from machines, lifting, or repetitive strain
Product Liability Insurance – Vital if a chair, table, or furnishing causes injury or property damage to a customer
Business Interruption Insurance – Helps cover lost income during unexpected closures due to covered risks (e.g. fire, flood)
Equipment Breakdown Coverage – For CNC routers, planers, saws, upholstery machines, and other essential tools
Inland Marine Insurance – Protects furniture in transit to showrooms, distributors, or clients
For bundled coverage, explore our Business Owners Policy (BOP) here, which combines key protections under one affordable plan.
Common Risks Covered in Furniture Manufacturing
Furniture production involves multiple phases—design, joinery, upholstery, finishing, and shipping—each carrying its own risk. Insurance can cover:
Injuries from power tools or chemical exposure
Property damage from fire, sawdust combustion, or moisture
Product recalls due to faulty construction or finish
Customer injury claims linked to furniture collapse
Theft or vandalism at warehouses or job sites
Supply chain interruptions impacting material delivery
Explore full protection plans for manufacturers on our Manufacturer Insurance California page or learn more about General Liability Insurance in California.
Frequently Asked Questions
What if I subcontract part of the work?
You may still be liable for the finished product, so insurance should cover all manufacturing under your name.
Can I insure my showroom and warehouse under the same policy?
Yes, we can bundle multi-location coverage into a single commercial property policy.
Is my delivery truck covered?
Not under manufacturing insurance—commercial auto coverage is a separate policy we can help you secure.
Do I need coverage if I only sell online?
Yes, especially product liability insurance for shipped items that could cause injury or damage.
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Still Have Questions?
Whether you’re expanding your floor space or integrating new robotic automation, let’s make sure your insurance grows with your operation. Our team works closely with manufacturers across California to deliver scalable coverage that protects your shop now—and into the future.