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These stores sell original and reproduced artwork, pictures, posters and/or prints. They may also offer framing and matting services for their customers as well as sell framing and matting supplies. They may carry a range of products or focus on one type of product, such as original paintings or inexpensive posters.

General Liability Insurance for Art, Picture & Poster Stores – Art, picture, and poster stores that offer matting and framing services will be at risk of claims due to damaged artwork. Art, picture, and poster stores are subject to a lot of visitors and traffic should flow easily in order to prevent customer injuries. Art displays should be stabilized in order to prevent toppling hazards. Floors should be free of defects to prevent trip and fall accidents. If food and drink are served during special events, any spills should be cleaned up immediately. 

Workers’ Compensation Insurance for Art, Picture & Poster Stores –Art, picture, and poster stores that offer matting and framing services will have higher risks of employee injuries. Employees may be injured when cutting and making frames or when using chemical products. Appropriate personal protective gear should be worn when necessary to prevent such injuries. Other injuries are typical of a retail store setting including back injuries and slips, trips, and falls.

Business Auto Insurance for Art, Picture & Poster Stores – Occasional business travel may result from employees of art, picture and poster stores who run errands to places such as the bank and post office. Errands should be run during non-peak traffic times if possible in order to reduce the risk of auto accidents. Running MVRs on all drivers and requiring them to carry sufficient Personal Auto Liability insurance limits can further reduce business auto risks.

Property Insurance for Art, Picture & Poster Stores – Art, picture, and poster stores will need specialized Inland Marine coverage for the valuable artwork located on the premises. Coverage will vary depending if the artwork is owned by the store are by outsiders who are paying the store a percentage to sell their artwork. Art, picture, and poster stores that offer matting and framing services will have flammable chemicals present, therefore increasing fire risks. Controls must be in place when storing flammable and combustible liquids. If they cannot be stored outside or in separate buildings, they can be stored in limited quantities inside approved storage cabinets. Rooms that contain approved storage cabinets should be separated from other rooms with a firewall and should be protected by an automatic sprinkler system. A central station alarm system should be available in addition to approved fire extinguishers.

Crime Insurance for Art, Picture & Poster Stores – Burglary risks of money and securities can be prevented by the use of central station alarm systems that are UL certified requiring regular maintenance agreements with alarm contractors. Signage should be obviously placed indicating an alarm system is in use in art, picture, and poster stores. Double cylinder deadbolt locks and adequate outside lighting can also be deterrents to burglars.