Furniture Stores--Other Than Not-For-Profit

What Does GL Code 13351 Cover?

ISO GL class code 13351 covers retail establishments primarily engaged in selling new or used furniture, including mattresses, home furnishings, and office furniture. This code encompasses operations such as in-store sales, customer assistance, and often includes delivery and basic assembly services. It classifies businesses based on their gross receipts from these retail activities.

Who Uses This Class Code?

Retail furniture stores, mattress showrooms, home furnishing boutiques, office furniture retailers, and antique furniture dealers typically fall under this classification. Businesses specializing in custom furniture sales or those with significant repair operations might also be included.

Common GL Claims for This Class

Common GL claims for furniture stores include customer slip-and-fall injuries in showrooms, property damage during furniture delivery or assembly at a customer's home, and injuries sustained from furniture falling on customers in the store.

Coverage Tips for Code 13351

• Ensure your policy includes coverage for property damage occurring during furniture delivery and assembly at customer locations.
• Implement robust safety protocols in showrooms to prevent slip-and-fall incidents, which are common claims in retail environments.
• Verify that your general liability policy includes product liability coverage for potential defects or hazards associated with the furniture you sell.
• Consider inland marine coverage for inventory in transit, especially for high-value items, to protect against damage or theft during delivery.