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Book and magazine stores sell new and/or used books and periodicals directly, on the Internet and/or by mail order. They may specialize in the sale of new books, used books or newspaper and magazine sales, or they may carry all of the above. Used bookstores often purchase books from individual sellers. Book and magazine stores may also offer gifts, snacks and novelties, such as bookmarks, magnets and toys. Coffee and/or liquor sale and consumption may also take place on the premises.

General Liability Insurance for Books & Magazines Stores – When bookstores offer additional services such as coffee and snack bars, premises liability is increased. Spills should be cleaned up immediately and “wet floor” warning signs should be used to help prevent slips and falls. Aisles and walkways should be clear and flooring should always be in good condition. All products should be easily accessible to customers. Bookshelves should be structurally sufficient and sturdy with the appropriate anchors systems or wall fastenings. Sidewalks and parking lots should be maintained, free of debris, and well lit. The risk of products liability is typically minimal for books and magazines stores.

Workers’ Compensation Insurance for Books & Magazines Stores – Training should be provided to books and magazines stores’ employees to help prevent injuries from lifting. Step stools and ladders used for reaching books high on shelves can pose a serious injury hazard. Employees may suffer from burns, falls, or cuts when working in stores that serve coffee and drinks.

Automobile Insurance Liability for Books & Magazine Stores – The risk of auto accidents is low for books and magazine stores. Employees who occasionally run errands to places such as the post office, bank, and supply stores must have an acceptable driving record and vehicle maintenance records should be required.

Property Insurance for Books & Magazines Stores – Water, smoke and fire can cause damage to books. The risk of fire is also impacted by the proximity and occupancy of neighboring businesses. A one-hour firewall extending through the roof should be used whenever one building is connected to other buildings such as in a strip shopping center. Protective systems should be able to control fire while preventing additional damage to the books. In book and magazines stores, food and drink areas should be separated from the books. Inland Marine coverage should be in place if rare books are sold. Regular inventory counts and proper employee training should help reduce theft.