What insurance or liability considerations apply to commercial lounge seating?

Commercial property insurance typically covers lounge seating under the 'business personal property' category. For liability, the relevant consideration is selecting seating that meets BIFMA commercial durability standards — if a chair fails structurally and injures an occupant, the failure of the manufacturer to meet applicable standards supports a product liability claim. Using residential furniture in a commercial setting creates liability exposure if it fails at loads the commercial environment predictably generates. Document that all lounge seating is specified to commercial standards and retain BIFMA test reports. Premises liability for slip-and-fall or furniture-related injuries is covered under your general liability policy. OfficeFurniture2go.com provides commercial-certified lounge seating — call 1-800-460-0858 for product certifications.