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It is not only during the holiday season that toy stores face business risks, although they certainly increase during the peak season.
Like other outlets, toy stores share common risks, but there are certainly additional exposures due to the specific industry line.
Ordinary risks include damage caused by fire, atmospheric agents and crime. If repair or construction is required due to damage to the premises, a company may not be able to operate for the time being. Unfortunately, this results in loss of income.
As with any other business, a toy store can be sued for a variety of reasons, including injuries from a slip and fall on the spot. Due to the nature of the line of work and the merchandise being sold, a toy store can also become the brunt of a product liability lawsuit.
Below are three insurance claim scenarios that emphasize the need for a tailored insurance plan.
Property coverage
An employee took a break in the warehouse. His lit cigarette caused a fire that spread, causing tens of thousands of damage to premises and goods. Due to the extent of the damage and the time it took to repair, rebuild and restock, the toy store was forced to close the store for a few weeks, resulting in significant income losses and additional expenses.
General Liability Coverage
Rain made parking slippery. A child fell and slipped and broke his arm. Parents are suing the toy store for doctors and hospital fees.
Coverage for product collection
A girl injured herself while handling a defective doll. The parents are suing the toy manufacturer. They also sued the toy store where the doll was purchased, citing negligence regarding the sale of a substandard item.
Business Owners Policy: Toy Store Owner Insurance
The policy of a toy store entrepreneur can consist of several covers as it pertains to the individual store.
The following protection policies can be grouped for comprehensive related commercial coverage.
• General Liability Coverage
• Property coverage
• Coverage of business interruption
• Coverage of liability for work practices
• Crime coverage
• Product Liability Coverage
• Commercial auto coverage
• IT liability coverage
• Workers’ compensation
• Equipment failure coverage
Of course, the holiday season has a greater exposure to damage and loss. A professional agency will be able to offer temporary coverage options to add to daily insurance plans. Dealing with a recognized independent insurance agency will ensure you get the lowest competitive quote associated with your needs.
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