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These stores sell bottled, purified drinking water to their customers, including water that is naturally carbonated. Other beverages, such as fruit juices, vegetable juices and soft drinks, may be sold as well. Some beverages may be packaged in cans.

General Liability Insurance for Bottled Water Stores – Bottled water stores should rotate their drinks to ensure freshness and to prevent spoilage potential of items like fruit and vegetable juices. Refrigeration equipment should be set to the correct temperature and should be in proper working order to reduce spoilage potential as well. Spills should be cleaned up immediately in order to prevent slip and fall hazards. Any broken or chipped bottles should be cleaned up and removed immediately. Shelving should be sturdy and properly anchored in order to hold the weight of bottled water and other beverages.

Workers’ Compensation Insurance for Bottled Water Stores – Bottled water stores should have neat and orderly stores and stockrooms to reduce employee injuries from trips and falls. Employees could be cut if bottles are broken and first aid kits should be easily accessible. Hernias, strains, and back injuries may occur as a result of lifting heavy cases of drinks. Employees should be trained to use conveyances such as dollies and hand trucks. A formal written safety program should be in place for employees of bottled water stores.

Business Auto Insurance for Bottled Water Stores – Business travel should not be significant for bottled water store employees. As a result, business auto risks should be low. An occasional errand to the bank or post office will result in the potential of auto liability. Frequent travel will increase the risks.

Property Insurance for Bottled Water Stores – Refrigeration equipment should be regularly inspected and repaired per manufacturers’ instructions. A licensed electrician or certified equipment vendor should immediately repair frayed or faulty wiring and other electrical problems. Smoking should be prohibited inside the building. Shoplifting may be a concern for bottled water stores and employees should be trained to recognize and respond properly as a result.

Crime Insurance for Bottled Water Stores – Bottled water stores should enforce a written policy of prosecuting any employee who is caught stealing from the store. Employees should be required to read and sign the written policy. Bottled water stores may accumulate large amounts of cash. Extra cash should be removed from the cash registers often and placed into a theft proof safe until the bank deposit is made.