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These establishments sell bedroom linens, including blankets, comforters, sheets, bedspreads and pillowcases to the public. They may also sell items commonly used with bed linens, such as pillows, duvet covers, bed skirts and mattress pads. Some stores may cater to bed linens for babies, children or adults.

General Liability Insurance for Blankets & Bedspreads Stores – Bedspreads, blankets, and related items should be displayed on secure shelving and displays should be appropriately spaced for customer traffic in order to prevent trip and fall hazards. Employees should be readily available to assist customers in reaching items that are not easily accessible in blankets and bedspreads stores.

Workers’ Compensation Insurance for Blankets & Bedspreads Stores – Employees of blankets and bedspreads stores may be injured when placing merchandise and displays that are above shoulder level. Employees may use stools, stepladders, and/or rolling ladders. Training should be provided for the correct usage of such equipment and all stools and ladders should be free of defects. Other injuries include slips, trips, falls, and back injuries.

Business Auto Insurance for Blankets & Bedspreads Stores – Business auto risks should not be a major concern for blankets and bedspreads stores. Members of management will typically be responsible for driving to the bank each day. They should have acceptable driving records and sufficient Personal Auto Liability insurance.

Property Insurance for Blankets & Bedspreads Stores – Blankets and bedspreads stores will have a significant fire load due to the combustibility of the merchandise sold. Central station smoke alarms and fire suppression systems should be in place to reduce the risks of fire. Appropriate distance barriers or firewalls should be in place to prevent the spread of fire from adjoining businesses.

Crime Insurance for Blankets & Bedspreads Stores – New employees should realize they are accountable for their actions and that there is a zero tolerance policy for employee theft. Hiring honest employees will reduce internal theft. This can be done by effectively checking references and criminal backgrounds. All exit doors should be properly secured in blankets and bedspreads stores with the use of double cylinder deadbolt locks and lighting should be sufficient outside to reduce the risk of burglary.