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Small Business Insurance For
Art & Craft Supplies Stores
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Arts & Crafts Supply Store Insurance

General Liability
Property Coverage
Workers Compensation

Owning an art and craft supplies store can be very rewarding and fulfilling, particularly if you enjoy doing arts and crafts projects yourself. As the owner of the store, you have the luxury of running the operation yourself so that you can stay in close contact with your customers. Or you can turn it over to another person to manage the day-to-day operations. In either case, you are responsible for making sure everything runs smoothly, stays profitable, and stays safe. The best way to keep it safe is to carry the right types of small business insurance.

General Liability

General liability insurance is an important broad level of basic coverage for your company. This insurance helps protect your business from the financial difficulties that can arise due to a number of different hazardous events. If a customer sues your arts and crafts supplies store for example, general liability insurance will help deflect those expenses. When customers make legal claims or allegations, or accidents occur that cause them physical injuries, general liability is there to help. This coverage will also expand its coverage protection as your business grows. So when you add new store locations or new products for sale, they’re automatically covered. Some of the most important ways this insurance protects you include:

arts and crafts store business insurance
Arts and Crafts Small Business Insurance
General Liability Insurance Includes:

Business Owners Policy

When you get a business owners policy (BOP) for your company, it automatically includes general liability coverage along with additional levels of protection. A BOP is primarily designed to help protect your company from suffering financially when business assets are damaged or destroyed. If your art supply store inventory is damaged in a flood for example, or your customer database is ruined by a computer virus, your BOP coverage pays for the repairs and replacements.

Business Auto Insurance

When you and your employees have to drive for business specific reasons, a commercial auto insurance policy is extremely important. Increased driving puts you in the position of being at a higher risk of someone having an auto accident. The bodily injuries and property damages that arise from an accident can be quite expensive, but business auto insurance helps limit the amounts of the total you must pay. Depending upon the options you choose to add to your policy, it can protect your company from financial strains caused by additional hazards such as hit and run accidents, uninsured motorists and theft as well.

Workers Comp

Workers compensation insurance is required by law to protect the employees of your art and craft supplies store. This insurance pays for the employee’s medical bills and related recovery expenses if they are ever injured on the job.

Commercial Umbrella

Commercial umbrella insurance provides your company with extra protection. If you reach the maximum benefit levels of your other business insurance policies, an umbrella policy can provide additional coverage.

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Insurance Products

General Liability (CGL) Workers Compensation Professional Liability Business Owners Policy Commercial Auto Insurance Employment Practices Liability Directors & Officers (D&O) Excess Liability Surety Bonds

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