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These stores carry camping and outdoor sports equipment, including tents, cook stoves, sleeping bags, air mattresses, outdoor showers, screen houses and backpacks. Items used for hiking, backpacking, mountain climbing, skiing, snowboarding, kayaking, canoeing and other outdoor activities may be included. Stores may sell items via the Internet and/or telephone.

General Liability Insurance for Camping Equipment Stores – Camping equipment stores should properly inspect and maintain the premises to prevent hazards to customers and other visitors. Camping equipment stores that are open at night should have well lit parking areas. Indoor flooring should be clean, dry, and free of defects such as worn spots. Aisle space should be wide enough and clear to prevent customer trips and falls. Store employees should be available to assist customers in reaching items that are not easily accessible.

Workers’ Compensation Insurance for Camping Equipment Stores – The reduction of worker injuries at camping equipment stores can be positively impacted by a written formal safety program. Employees should use appropriate ladder safety procedures when accessing stock on high shelves. Ladders should be appropriate for the intended job and they should be well maintained. Employees may strain their backs or obtain hernias if lifting heavy objects alone or without the use of a conveyance device such as a hand truck or dolly.

Business Auto Insurance for Camping Equipment Stores – When employees of camping equipment stores use their own vehicles for travel or occasional errands, their MVRs should be checked and verified for acceptability and they should be required to carry a Personal Auto policy with minimum Auto Liability limits of at least $300,000 combined single limits.

Property Insurance for Camping Equipment Stores – Camping equipment stores that operate a website for selling equipment and camping merchandise should install firewalls and antivirus software. Passwords should be required to include letters and numbers in addition to lower case and upper case letters. All computers and related equipment should be properly installed and sufficient daily backups of all important data and software should be maintained off premises. The design and construction of the camping equipment store should be in compliance with local building ordinances and should minimize fire loss. In the event of an emergency evacuation due to fire, it is required that a certain number of exit doors are available depending on the size of rooms and the total distance needed to be traveled. Certain key employees should be given responsibilities such as assisting others in the evacuation or in recovering computer back up tapes if applicable.

Crime Insurance for Camping Equipment Stores – An inventory control system should be in place to help reduce employee theft at camping equipment stores. Check requiring two forms of identification can prevent fraud. Credit card fraud can be reduced by verifying the name on the card with another form of identification and by checking that the signature on the receipt matches the signature on the back of the card. Electronic verification services will also help minimize check and credit card fraud.