Helping people furnish their homes and businesses and making their dreams become reality is a satisfying business, but it’s not without risk. Furniture retailers operate on slim margins and face growing number of risks: business interruption, injured workers, theft and crime, a data breach exposing private customer information, inventory damage, delayed shipments, and more. Furniture Store Insurance can protect you against these risks.

Hitchings Insurance Agency understands the coverage needs of large furniture stores, Main Street retail shops, warehouse and distribution operations, and trucking and shipping businesses.  We are a one-stop shop for all your insurance needs: from Liability Insurance and retail-specific coverages to Health Insurance and Employee Benefits packages. We take care of you, your business, and your employees.

We provide all the advantages of a large national firm and all the personal service and attention that only a local neighborhood business can offer.  Our service is friendly, personal, and highly responsive. Our top priorities are earning your trust and building a lasting relationship. We are a reliable partner through every stage of your business growth.

For many retail businesses, we start with a Furniture Store Insurance package of core coverages, typically including Property Insurance, Business Interruption Insurance, and General Liability Insurance. Employers are also required by law to carry Workers’ Compensation Insurance to protect your workers should they be injured while working.

Usually, it makes good sense to supplement your policy with additional coverage. For furniture retail operations, these are typically Inventory & Equipment Insurance, Commercial Auto Insurance, Water & Flood Insurance, and Surety Bonds.

In addition, there are a variety of liability coverage options to help you cover legal fees or damages related to various types of lawsuits. These might include: Cyber Liability Insurance • Employment Practices Liability Insurance  • Premises Liability insurance • Product Liability Insurance • Fidelity & Crime Insurance • Commercial Umbrella Insurance

Hitchings Insurance Agency will also help you take care of your people. We can put together the right Employee Benefits package, including Health Insurance, Short-Term and Long-Term Disability plans, Life Insurance and more.

You talk, we listen!

You’re too busy filling orders and delivering goods to worry about insurance. That’s where Hitchings Insurance Agency adds real value. We identify the gaps in your coverage that could lead to future problems. Our experienced team at Hitchings Insurance Agency will recommend the coverage you need to protect your business and keep you up and running. We explain the options so that you can make informed decisions. Our goal is making things easy for you so that you can focus on your work.

We invite you to learn why so many retailers trust Hitchings Insurance Agency to protect their operations. Discover the difference yourself – fill out a free quote form or call us at 419-423-9145.

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Recommended Products


General Liability

Protection against claims resulting in injury or property damage.


Building Coverage

Coverage against fire, theft, vandalism and natural disasters.


Inventory Coverage

Coverage for your inventory or stock on hand against
covered losses.


Workers' Comp

Covers lost wages and medical payments if an employee is
hurt on the job.


Employee Theft

Coverage against theft committed by employees.


Change in Temperature

Coverage against damages resulting from changes in temperature.


Discharge of Water

Coverage against damages resulting from a burst pipe,
sprinkler system, or other accidental discharge of water.

Interactive Coverage Map

Furniture Store Insurance

Property Insurance, Business Interruption Insurance, and General Liability Insurance