Coverage requirements

Wood & Coal Stove Retailers

Retail59% completeness
Run gap analysis

Last updated August 2026 · Maintained and reviewed by the Advocate Insurance Consultants coverage research team.

Overview

What an adequately protected Wood & Coal Stove Retailers program looks like

Wood and coal stove dealers sell solid-fuel-burning appliances, such as wood-burning stoves, used to heat homes, and often handle their sale and installation. The appliances they supply involve combustion and fire risk. Product performance and installation shape the operation's core exposures. Limit, deductible, and carrier-quality benchmarks in this Advocate Standard profile are calibrated to the true risk wood & coal stove retailers carry, extending across Auto Liability, General Liability, Worker's Compensation, Fidelity Bond, Physical Property and other essential lines.

Key takeaways

  • Spans 138 published requirements across 40 coverage type-peril pairs.
  • Applies to 2 asset types: Retail - Generic, Retailer.
  • Covers 14 coverage types and 14 distinct perils.

At a glance

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Requirements
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Perils
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Completion score

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9 of 40 WIM pairs required

Coverage tower

Required limits by coverage type and peril

Property8 coverage types

Fidelity Bond

Overall limit$100K

Business Income

Flood≥ Business Income Amount for Buildings in an SFHA
TRIA - Property≥ Business Income Amount
Earthquake≥ Business Income Amount
Named Storm≥ Business Income Amount
Water / Sewer Backup≥ Business Income Amount
Wildfire≥ Business Income Amount
Wind Hail≥ Business Income Amount
Overall limit≥ Business Income Amount

Physical

Flood≥ RCV / Insurable Value of First 2 Floors Above Grade + any Floors Below Grade of Buildings Located in an SFHA
TRIA - Property≥ RCV of Existing Structure / Insurable Value
Earthquake≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Water / Sewer Backup≥ RCV of Existing Structure / Insurable Value
Wildfire≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value

Builder's Risk

Overall limit≥ RCV of Existing Structure / Insurable Value

Business Personal Property

Overall limit≥ RCV of Existing Structure / Insurable Value

Inland Marine

Fire≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Theft≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Water Damage≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Overall limit≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value

Limited Fungus

Overall limit$15K

Ordinance or Law

Earthquake≥ RCV of Existing Structure / Insurable Value
Flood≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value
Liability6 coverage types

Auto Liability

Hired & Non-Owned Auto$5M
Owned Auto$5M
Overall limit$5M

Disability Liability

Overall limit$2M

Employer's Liability

Overall limit$2M

Worker's Compensation

Overall limit$500K

General Liability

Overall limit$4M
Assault & Battery$5M

Terrorism Liability

TRIA - Liability$2M
Overall limit$2M

Requirements

Full requirement set for Wood & Coal Stove Retailers

Every requirement in the Advocate standard, 138 rows across limits, deductibles, carrier rating, and presence checks. Search and filter to drill in.

Group
Type
Peril

Showing 50 of 138 matching · 138 total

RequirementPerilRequirement typeApplicabilityRequirement
Property › Builder's RiskAcceptable Blanket Builder's Risk DeductibleOverallDeductibleBlanketBlanket Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income DeductibleOverallDeductibleBlanketBlanket Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Named Storm DeductibleNamed StormDeductibleBlanketBlanket Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Wind Hail DeductibleWind HailDeductibleBlanketBlanket Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Blanket Business Personal Property DeductibleOverallDeductibleBlanketBlanket Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Blanket Inland Marine DeductibleOverallDeductibleBlanketBlanket Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Blanket Limited Fungus DeductibleOverallDeductibleBlanketBlanket Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Blanket Ordinance or Law DeductibleOverallDeductibleBlanketOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical DeductibleOverallDeductibleBlanketBlanket Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Blanket Physical Named Storm DeductibleNamed StormDeductibleBlanketBlanket Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Blanket Physical Wind Hail DeductibleWind HailDeductibleBlanketBlanket Physical Wind Hail deductible must not exceed 5% of the insured value.
Property › Builder's RiskAcceptable Scheduled Builder's Risk DeductibleOverallDeductibleScheduledScheduled Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income DeductibleOverallDeductibleScheduledScheduled Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Named Storm DeductibleNamed StormDeductibleScheduledScheduled Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Wind Hail DeductibleWind HailDeductibleScheduledScheduled Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Scheduled Business Personal Property DeductibleOverallDeductibleScheduledScheduled Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Scheduled Inland Marine DeductibleOverallDeductibleScheduledScheduled Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Scheduled Limited Fungus DeductibleOverallDeductibleScheduledScheduled Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Scheduled Ordinance or Law DeductibleOverallDeductibleScheduledOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical DeductibleOverallDeductibleScheduledScheduled Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Named Storm DeductibleNamed StormDeductibleScheduledScheduled Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Wind Hail DeductibleWind HailDeductibleScheduledScheduled Physical Wind Hail deductible must not exceed 5% of the insured value.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have AM Best rating >= A- and size >= VII.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have an AM Best Rating that meets the required Letter and Financial Size ratings.
Liability › Worker's CompensationStatutory Workers Compensation ConfirmedOverallOtherAllWorkers Compensation must be at statutory limits with Employers Liability.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto Excess/Umbrella LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto Excess/Umbrella LimitOwned AutoLimitAllOwned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto LimitOwned AutoLimitAllOwned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability Excess/Umbrella LimitOverallLimitAllAuto Liability must carry an excess/umbrella limit of at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability LimitOverallLimitAllAuto Liability must carry a combined single limit of at least $1,000,000.
Property › Builder's RiskSufficient Blanket Builder's Risk LimitOverallLimitBlanketBlanket Builder's Risk limit must be at least the RCV / insurable value.
Property › Business IncomeSufficient Blanket Business Income - Certified Acts of Terrorism LimitTRIA - PropertyLimitBlanketBlanket Business Income (Certified Acts of Terrorism) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Earthquake LimitEarthquakeLimitBlanketBlanket Business Income (Earthquake) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Named Storm LimitNamed StormLimitBlanketBlanket Business Income (Named Storm) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Water / Sewer Backup LimitWater / Sewer BackupLimitBlanketBlanket Business Income (Water / Sewer Backup) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Wildfire LimitWildfireLimitBlanketBlanket Business Income (Wildfire) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Wind Hail LimitWind HailLimitBlanketBlanket Business Income (Wind Hail) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income LimitOverallLimitBlanketBlanket Business Income limit must be at least the 12-month business income value.
Property › Business Personal PropertySufficient Blanket Business Personal Property LimitOverallLimitBlanketBlanket Business Personal Property limit must be at least the RCV / insurable value.
Property › Inland MarineSufficient Blanket Inland Marine - Fire LimitFireLimitBlanketBlanket Inland Marine (Fire) limit must be at least the value in care, custody & control.
Property › Inland MarineSufficient Blanket Inland Marine - Theft LimitTheftLimitBlanketBlanket Inland Marine (Theft) limit must be at least the value in care, custody & control.
Property › Inland MarineSufficient Blanket Inland Marine - Water Damage LimitWater DamageLimitBlanketBlanket Inland Marine (Water Damage) limit must be at least the value in care, custody & control.
Property › Inland MarineSufficient Blanket Inland Marine LimitOverallLimitBlanketBlanket Inland Marine limit must be at least the value in care, custody & control.

88 more requirements

Compliance

Who requires Wood & Coal Stove Retailers

  • Homeowners hiring a stove dealer for installation may require proof of general and completed-operations liability, often naming themselves as additional insured, before work begins in their home.
  • Stove and appliance manufacturers awarding a dealership set minimum liability limits and expect completed-operations coverage given the combustion risk.
  • For landlords leasing showroom space, liability and property coverage is a condition of the lease.
  • Building and fire code officials issuing installation permits rely on the work being performed to code.
  • Where lenders finance showroom inventory or installation equipment, they record their interest on property.
  • Because a solid-fuel appliance can cause a house fire if defective or improperly installed, both manufacturers and clients rely on the dealer's completed-operations coverage.

Carrier standard. Carrier must have AM Best rating >= A- and size >= VII.

Advocate runs these checks automatically for the brokers who place retail coverage.

Exclusions

What Wood & Coal Stove Retailers does not cover

  • General liability, business personal property, and inland marine are in place, though combustion and installation dominate the exposure.
  • Completed-operations liability, covering a house fire from a defective or improperly installed stove, must carry a substantial limit, since such claims can involve total home loss.
  • Products liability for a defective appliance sits alongside it.
  • General liability may exclude damage arising from the installation work itself and property in the dealer's care during installation.
  • Flood and earthquake are excluded.
  • If a stove installation damages the customer's home, the care, custody, or control limitation may come into play.
  • Hired and non-owned auto needs confirmation for installers, and cyber breaches of customer data sit outside a base package.

Risk advisory

Typical coverage gaps in Retail

Wood and coal stove retailers should confirm completed-operations and products liability carry substantial limits, because a defective appliance or an improper installation can cause a house fire and a claim involving total home loss long after the sale.

  • Verify how liability responds to damage to a customer's home during installation and to property in the dealer's care while working.
  • Confirm installers are covered under commercial and hired and non-owned auto.
  • Document that installations meet fire and building codes, since compliant work supports both safety and claim defense.
  • Business income should reflect the seasonal, heating-driven demand cycle.
  • Add cyber liability for customer and financing data, and schedule showroom display appliances appropriately against damage and theft.

FAQ

Frequently asked questions

Does stove retailer insurance cover a house fire from a bad installation?

Completed-operations liability responds to claims that a defective or improperly installed stove caused a fire after the work was done. Because such a claim can involve a total home loss, confirm this coverage carries a substantial limit, and verify products liability separately addresses a defective appliance.

What insurance does a wood stove dealer need?

A stove retailer typically needs general liability, products and completed-operations liability with substantial limits for combustion and installation risk, property and inland marine for showroom inventory, commercial and hired and non-owned auto for installers, business income sized to heating season, workers' compensation, and cyber liability.

Why do stove dealers need completed-operations coverage?

Because a solid-fuel appliance can cause a fire if defective or improperly installed, and that failure often surfaces after the installation is complete. Completed-operations coverage responds to claims arising from finished work, protecting the dealer when a stove sold and installed later causes property damage or injury.

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About this coverage standard

This profile is maintained by the Advocate Insurance Consultants coverage research team, which maintains the Coverage Library benchmarks against the World Insurance Model taxonomy and reviews each standard against live market placements. It is general guidance, not legal or coverage advice. Verify requirements against the actual policy and contract.

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