Yes, home-based upholstery businesses still need commercial insurance. Your household policy won't cover business activities, equipment, or liability claims from customers.

Mobile upholstery services need specialized coverage including goods in transit insurance, public liability for working in customers' homes, and tool cover for equipment carried in your vehicle.

Standard customer property limits may not be sufficient for valuable antiques. We can arrange higher limits or specific coverage for high-value items.

Your stock of fabrics, leather, and materials should be covered under your property insurance, with appropriate limits for your typical stock levels.

Yes, you'll need commercial vehicle insurance for any vehicles used for business purposes, including collecting and delivering furniture.

This would typically be covered under your professional indemnity or customer property insurance, depending on the specific circumstances of the claim.

Upholstery shop insurance costs vary based on factors like business size, location, equipment value, and coverage levels. Small home-based businesses might pay from £200-500 annually, while larger commercial operations could pay £1,000-3,000+. Contact us for a personalized quote based on your specific needs.

Essential insurance for new upholstery businesses includes public liability (minimum £1-2 million), professional indemnity, customer property cover, and property insurance for equipment and stock. If employing staff, employers' liability is legally required.

Yes, upholstery insurance typically covers accidental damage to fabrics and materials through property insurance. Customer property cover protects fabrics belonging to clients, while stock cover protects your own fabric inventory.

Furniture restoration insurance and upholstery insurance are very similar, both covering furniture repair businesses. Restoration insurance may include additional coverage for antique work and specialized restoration techniques, while upholstery insurance focuses more on fabric and soft furnishing work.

If you're teaching upholstery courses, you'll need extended public liability coverage and professional indemnity insurance. This protects against student injuries and claims arising from instruction or advice given during training sessions.

Mobile upholstery services need specialized coverage including goods in transit insurance, extended public liability for working in customers' premises, tools cover, and commercial vehicle insurance. Coverage limits may need to be higher due to increased risks.

Yes, upholstery insurance covers leather restoration and repair work. This includes protection for expensive leather materials, specialized leather-working tools, and potential claims from leather treatment or dyeing processes.

If you sell furniture alongside upholstery services, you'll need products liability insurance to cover items you've manufactured or sold. This protects against claims if furniture causes injury or damage after sale.

Curtain making and soft furnishing work are typically covered under upholstery business insurance. This includes protection for fabric cutting errors, installation issues, and damage to customers' curtains or blinds.

Antique restoration may require higher coverage limits due to the irreplaceable nature of items. Standard customer property limits might not be sufficient - we can arrange enhanced coverage for high-value or irreplaceable antiques.

Apprentices and trainees must be covered under your employers' liability insurance. You may also need enhanced public liability coverage as inexperienced workers may pose higher risks of accidents or damage.

Yes, coverage typically includes accidental damage from cleaning solvents, dyes, and restoration chemicals. This protects both your premises and customer property from chemical spills or reactions.

Trade upholstery insurance (business-to-business) may have different liability requirements than retail operations serving the public. Retail businesses typically need higher public liability limits due to increased customer interaction and premises access.

Yes, upholstery insurance is available for businesses with credit issues, though premiums may be higher. We work with insurers who consider applications based on business merit rather than just credit scores.

Automotive upholstery work requires specialized coverage due to the high value of classic vehicles. This includes enhanced customer property limits and coverage for specialized automotive restoration techniques and materials.

Yes, working in customers' homes requires public liability insurance with premises extension cover. This protects against accidental damage to customers' property and injury to household members during repair work.

Workshop-based upholstery businesses need comprehensive property insurance for the building (if owned), equipment, stock, and customer property. Fire detection and security systems may be required due to fabric storage and industrial equipment.

Yes, insurance can be arranged for seasonal businesses like garden furniture restoration. Coverage can be adjusted for seasonal variations in stock levels and business activity to optimize costs.

Upholstery supply businesses need stock insurance for fabric inventory, products liability for materials sold, and potentially goods in transit cover for deliveries. Coverage limits should reflect the high value of quality fabrics and materials.

If you store customer data, take online orders, or use digital systems, cyber insurance is recommended. This protects against data breaches, system failures, and cyber attacks that could disrupt your business operations.