Business insurance for home improvement stores

Keep the roof on costs with the right coverages.

Why you need home improvement store insurance

With home buying and home renovations trending steadily upwards, home improvement stores are busier than ever. This presents both huge opportunities and unique risks for you as a store owner. To prosper and grow, you’ll need to protect your business against potentially wrenching losses due to accidents, injuries and other mishaps with insurance built for your needs.

Insurance for hardware stores

Let us help you sort out all the nuts and bolts of getting insurance that provides the right coverage for your business at surprisingly great rates.

Hardware store insurance coverage includes

  • General liability – protects you against costly claims and lawsuits if a customer is injured while in your store or if you damage a customer’s property.
  • Property insurance – covers buildings and other structures you own. It also protects your office equipment, business equipment and inventory from a covered loss.
  • Loss of income – protects your income and provides help for ordinary payroll expenses for up to 12 months, if your business is inoperable due to a covered loss.
  • Employee dishonesty – coverage helps protect you from direct physical loss to business personal property (including money) because of employees’ dishonest acts.

Consider adding additional coverages

Depending on the number of employees you have and other factors – what’s covered in your business owner’s policy may not be enough. A local State Farm agent can advise you on additional coverages you may need to protect your business.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Other home improvement stores we insure:

  • Appliance
  • Carpet & Hardwood Flooring
  • Paint
  • Window Treatment
  • Home audio & Video Equipment
  • Housewares




Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

  • State Farm Mutual Automobile Insurance Company
  • State Farm Indemnity Company
  • Bloomington, IL
  • State Farm County Mutual Insurance Company of Texas
  • Richardson, TX
  • State Farm Fire and Casualty Company
  • State Farm General Insurance Company
  • Bloomington, IL
  • State Farm Fire and Casualty Company
  • Winter Haven, FL
  • State Farm Lloyds
  • Richardson, TX
  • State Farm Life Insurance Company (Not licensed in MA, NY or WI)
  • State Farm Life and Accident Assurance Company (Licensed in NY and WI)
  • Bloomington, IL