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These stores sell new, surplus army and navy field equipment such as tents, cook stoves, cooking ware, boots and clothing. Their products may include novelty army and navy-theme items not intended for military use as well as law enforcement-related gear. Members and former members of the military, as well as military enthusiasts are common customers of army and navy stores.

General Liability Insurance for Army & Navy Stores – Army & Navy stores should practice good housekeeping to prevent customer trips and falls. Store areas should be neat, clean, and free of clutter. Merchandise should be displayed in an organized fashion and displays should be sturdy in order to prevent toppling merchandise and tip over hazards. Any stairs should be constructed to code and should have sturdy handrails. Parking areas and outside walkways should be in good repair and free of debris.

Workers’ Compensation Insurance for Army & Navy Stores – Employees of Army & Navy stores may be injured when lifting heavy boxes of merchandise. Employees may also trip and fall if stock rooms and store areas are not neat and clutter free. If stools and stepladders are used for reaching and placing merchandise on higher shelves, workers’ compensation risks will be increased. All stools and stepladders should be in good condition and should have skid resistant covers on the step and the feet in order to prevent worker injuries.

Business Auto Insurance for Army & Navy Stores – Army & Navy stores should have low business auto risks. However, employees will have to go to the bank for the daily bank deposit and may occasionally run another errand for the store. As a result, a non-owned exposure will exist. If the store runs MVRs prior to allowing driver status, the risks will be reduced.

Property Insurance for Army & Navy Stores – The fire load may consist of a large amount of Army and Navy clothing items. The age and construction of the building will affect fire risks. Buildings older than 20 years should update the electrical and wiring systems. Buildings constructed of fire restive and non-combustible materials will have lower fire risks. Firewalls should be in place for stores that are located in a strip mall.

Crime Insurance for Army & Navy Stores – By installing double cylinder deadbolt locks and bars around low visibility windows, burglary risks of money and securities should be reduced in Army and Navy Stores. Frequent inventory audits should be taken to reduce theft of merchandise by employees. All incoming checks should be immediately stamped “for deposit only” and bank deposits should be made daily.