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Art supply stores sell supplies needed for arts and crafts projects, such as painting, sculpture, drawing, woodworking and pottery. They may specialize in one type of art or sell products pertaining to a variety of projects. Products for sale may include paint, easels, paintbrushes, pastels, pencils, paper, frames and clay. Customers may be professional artists or pursue art as a hobby.

General Liability Insurance for Artists Supplies Stores – Store fixtures and displays at artists’ supplies stores should be secure to avoid tip over hazards. They should be free of any sharp edges or points as well as any other defects that could result in injury. Slip, trip, and fall hazards can be reduced by daily vacuuming and/or sweeping of the floors. Outside areas such as parking lots, sidewalks, and other walkways should be free of defects and well lit.

Workers’ Compensation Insurance for Artists Supplies Stores – Artists supplies store employees may be injured when opening boxes of new merchandise while using box cutters, knives, or razor blades. Employees could injure their backs when lifting heavy objects if proper lifting techniques are not used. Stools and stepladders may also be used and employees should be trained to properly use them when reaching items over their heads.

Business Auto Insurance for Artists Supplies Stores – Artists supplies stores will have a non-owned auto exposure for employees who are responsible for driving to places such as the bank everyday. Business auto risks can be minimized for stores that require MVR checks and sufficient Personal Auto Liability limits to be maintained.

Property Insurance for Artists Supplies Stores – Artists supplies stores that sell flammable items such as paints and oils will be at higher risk of fire. Combustible packing materials should be stored away from flammable liquids in stockroom areas. Stores should have up to date wiring and electrical systems that are less than 20 years old. Fire extinguishing equipment and smoke detectors should be in place.

Crime Insurance for Artists Supplies Stores – A written policy should be published by artist’s supplies stores that indicate any employee who is caught engaging in theft will be prosecuted. Furthermore, each employee should be required to sign a statement acknowledging such, which should become a part of his permanent employee file. Artist’s supplies stores should be equipped with double cylinder deadbolt locks and adequate outside lighting to reduce the risk of burglary.