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Upholsterers Insurance

Tailored Protection for Your Upholstery Business

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Simply Business is pleased to provide tailored insurance options from:

Upholsterers Insurance That’s Made Just for You

You really know how to take a piece of furniture and turn into something new. While you carefully help customers select the best fabrics and patterns to bring new life to pieces such as treasured heirloom chairs or antique sofas, you focus on providing the best upholstery services.

At Simply Business, we can create insurance for your upholstery business that’s as unique as your business. This coverage can help protect you from common risks so you can continue delivering great work.

What Insurance Do Upholsterers Need?

As an upholsterer, your profession is at risk every day for making mistakes, injuring yourself, and damaging a client’s property. Plus, if an employee gets hurt on the job, that could potentially leave your business exposed to lawsuits and medical claims.

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Need more detail? Read our FAQs:

  • What is Business Insurance?
  • What is General Liability Insurance?
  • What is Professional Liability Insurance?
  • More business insurance FAQs

Coverage Type

  • Small Business Insurance
  • General Liability Insurance
  • Professional Liability Insurance
  • Self-Employed Business Insurance

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General Liability Insurance for Upholsterers

General liability insurance — also known as commercial general liability (CGL) insurance — covers costs associated with third-party accidents, property damage, and bodily injury. Without this type of coverage, your business may be responsible for those costs. That’s why we recommend that commercial contractors carry general liability insurance, as it can provide their business with essential protection.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Automobiles while in business use
  • Expected or intentional injury or damage
  • And more

Learn more about General Liability Insurance.

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Professional Liability Insurance for Upholsterers

Professional Liability insurance - which is also referred to as errors and omissions insurance (E&O insurance) - is a type of policy that provides coverage in the event a customer alleges negligence from your professional services. If your customer decides to sue your business for mistakes related to your services, your professional liability insurance policy may cover damages and legal costs that you might be ordered to pay due to negligence.

Additionally, if a [related service] goes wrong for any number of reasons, you may be susceptible to a lawsuit from a customer, whether or not negligence occurred.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • Claims and damages
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Employment matters
  • Patents and trade secrets
  • And more

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Workers Compensation Insurance for Upholsterers

If an employee gets sick or injured while working for you, workers compensation - also known as employers liability insurance - can provide your business with financial protection. Most states require businesses to carry this policy when you hire your first employee, so be sure to add it to your coverage if you have a team.

Coverages include:

  • Medical Payments
  • Lost Wages
  • Rehabilitation expenses
  • Death Benefits

Here’s how workers compensation insurance works: If an employee gets injured on the job, this insurance can cover medical costs and lost wages. Carrying workers compensation can provide much-needed security, as having this coverage in place prevents an employee from suing your business for workplace injuries.

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How Much Does Insurance for Upholsterers Cost?

While there’s no single answer for how much insurance costs for upholsterers, you can get an estimate for what you may pay based on:

  • Your revenue
  • Your payroll
  • Your business location
  • The type of services you provide
  • And more

Want to find out how much your upholstery business insurance may cost?

Click here to answer a few questions so we can help you learn how much you can expect to pay for your upholsterers insurance coverage.

Businesses We Insure

  • Appliance Repair Business Insurance
  • Carpet Cleaner Insurance
  • Cleaning Business Insurance
  • Door Installer Insurance
  • Handyman Insurance
  • Home Improvement Contractor Insurance
  • Hvac Contractor Insurance

Other Businesses We Insure

  • Janitorial Insurance
  • Landscaping Insurance
  • Lawn Care Insurance
  • Painters Insurance
  • Pressure Washing Insurance
  • Window Cleaning Insurance
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Upholsterers Insurance

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.