Upholsterer insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$20.75
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$20.75
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Upholsterer Insurance?
As an upholsterer, you have a great deal of expertise and skill when it comes to transforming a piece of furniture into something that’s like new. You recognize that every piece of furniture is unique and therefore calls for specialized treatment.
Below are some of the most common types of insurance policies that upholsterers carry to stay protected.
What Type of Upholsterer Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Type of Insurance Do I Need for My Upholstery Business?
Upholsterer insurance plans can include several policies, which can protect your business from common risks you may face in your industry. When creating your upholsterer insurance plan, we may suggest considering these two core plans as part of your foundational policy:
Commercial General Liability Insurance
Do you have an office or studio space where clients meet with you to discuss projects? If you do, you’ll likely need general liability insurance. This type of insurance, also known as commercial general liability (GL) insurance, can cover the costs associated with third-party accidents, property damage, and bodily injuries to a third party, like a client or vendor.
GL insurance is often considered a primary policy to include in a small business’s overall insurance plan. With the average customer injury or damage claim — something this policy type covers — being $30,000, general liability insurance is essential.
That means, without general liability insurance, you’d be at risk of paying those costs on your own.
What does general liability insurance look like in action? Let’s say you go to a client’s residence to pick up some cushions to take back to your shop. While carrying all of the cushions at once to your truck, you knock over the client’s china cabinet, breaking everything inside it.
In this case, if you have general liability insurance, it may be able to cover the cost of replacing your client’s broken china and legal fees if your client sues you, up to your policy limits.
To summarize, here’s what general liability insurance usually can cover:
- Bodily injury to another person
- Third-party property damage
- Personal and advertising injury
- Medical expenses
- And more
Here’s what general liability insurance usually doesn’t cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to your employees
- Damage to your work
- Motor vehicles while in business use
- Expected or intentional injury or damage
- And more
Workers Compensation Insurance
If you have any full-time, part-time, or temporary employees in your upholstery business, you may be required to carry workers compensation insurance. This type of coverage can cover the costs of an injury or illness an employee sustains while working for you.
Workers compensation insurance — or some form of it — is mandatory in most states; check here to see your state’s requirements.
Having workers compensation insurance can be a significant part of growing a successful upholstery business. It’s estimated that the average work injury cost is $41,000, and in 2018 alone, a total of $170.8 billion in claims were filed.
It goes without saying, it’s a smart idea to have workers compensation insurance as part of your core insurance policy, even if you have only a few employees.
To summarize, workers compensation for upholsterers can cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Why Should I Get Insurance for My Upholstery Business?
As an upholsterer, you likely face risks every day, like damaging a client’s property or injuring yourself or an employee by accident. That’s why investing in upholstery insurance is an important business decision.
Perhaps you aren’t sure if you need business insurance at the moment. Maybe you’re just getting your business off the ground, and adding another expense to your list seems overwhelming.
Here’s the reality: business insurance can be a critical part of reducing the liabilities you’re at risk of as an upholsterer, even if you’re just getting started. Although you can take steps to mitigate the number of risks you face as a business owner, that doesn’t mean they still can’t happen.
Here are the most common incidents that can happen to small business owners, including how much they cost on average:
- Reputational Harm — $50,000
- Client Injury or Damage — $30,000
- Client Slip and Fall — $20,000
Those numbers aren’t anything to ignore, and those costs can be harmful to a small business. Luckily, if you have upholstery insurance, your policy could cover some or all of the costs of the claims or lawsuits you may face.
On the topic of lawsuits, did you know that 43% of small business owners polled reported being threatened with or involved in a civil lawsuit?
Don’t leave your business (and hard-earned cash) to chance. At Simply Business, we make it easy to find an insurance policy at the right price. All you have to do is answer a few questions about your business, and you can compare free quotes from top insurers in the country.
What’s more, we can provide you with a certificate of insurance (COI), so you can provide proof of coverage to clients, vendors, and more.
What Does Upholsterer Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Upholstery Insurance Coverage Questions
Since upholsterers insurance may be a bundle of various business policies, you may be required to carry some coverage, but not others.
For example, your state may require workers compensation coverage if you have employees, but not require you to carry general liability insurance. Or the landlord where your office is located may contractually require you to carry GL insurance as part of your lease agreement.
In general, the cost of your upholstery insurance premiums is tax-deductible by the IRS. It’s best to talk to an accountant if you have questions about your specific business’s deductible expenses, though.
The amount of coverage your business may need will depend on:
- The size of your business
- Your business’s location
- Your annual revenue and payroll
- And more
If you’re not sure what you need, don’t worry: our quote form is designed to recommend insurance plans for you, based on your answers.
If you have more questions, our licensed insurance agents will be happy to assist you!
If you’re ready to get your free quotes, we recommend having the following information to expedite the process:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
It can, as your state may have a different insurance requirement for upholsterers than another state (especially when it comes to workers compensation insurance).
That’s why our quote process works. Our questions can narrow down insurance policy options for you, based on your business needs and any requirements your state may have regarding insurance coverage.
Upholstery insurance coverage depends on the policies that are bundled together to meet your business’s needs. If you opt for both general liability and workers compensation, insurance for upholsterers can cover:
- Medical Payments
- Lost Wages
- Rehabilitation expenses
- Death Benefits
The cost of upholsterers insurance differs depending on your business and its needs, so it’s tough to provide an exact answer here. But in general, you can expect the price of your insurance premiums to be determined by:
- Payroll and revenue estimates
- The location of your business
- The specific services you offer
- And more
Want to see how much your upholsterers insurance may cost? Just click here and get free quotes from some of the top insurers in the country.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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We’ve Got More Helpful Information
9-minute read
A General Liability Insurance Guide for Small Business
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
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