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These stores sell church supplies and miscellaneous religious items for churches and the public. Products may include religious literature and other media, statues, choir and clergy robes, candles, furniture and gifts. The stores may custom-design items such as statues for customers. Items may be available for sale via the Internet and telephone. Stores may cater to one religion or a number of religions.

General Liability Insurance for Church Supplies Stores – Church supplies stores should prevent customer hazards by maintaining a neat, orderly, and clutter free store. Walk spaces should be adequate and free of obstructions. Damaged displays or furnishings that cannot be immediately fixed or removed should be tagged with a warning instructing that it should not be used. Case law requires store premises to comply with local codes and ordinances and be regularly maintained and inspected for hazards. Appropriate corrective action should be taken to address such hazards.

Workers’ Compensation Insurance for Church Supplies Stores – Injuries could occur to employees of church supplies stores that include back strain, slipped discs, sprains, and hernias. Items such as books and statues can be heavy and proper lifting techniques should be enforced. A written formal safety program should outline management’s philosophy that safety is an integral part of profitability and a zero tolerance for workplace injuries.

Business Auto Insurance for Church Supplies Stores – A written driver safety program should be enforced of any employee who is responsible for driving for the church supplies store’s errands and other business related travel. All safety rules should be complied with including the mandatory usage of seat belts.

Property Insurance for Church Supplies Stores – Fire exposure from adjourning premises can be reduced by either an appropriate distance barrier or by the use of approved firewalls if the buildings are attached to the church supplies store. Different fire resistive ratings expressed in terms of hours of protection are required for barriers between adjourning businesses. Church supplies stores that sell merchandise over the Internet should install firewalls and antivirus protection on all servers and PCs. All employees should follow acceptable practices for use of logins and passwords. Computer data should be backed up daily and backups should be kept and maintained off premises.

Crime Insurance for Church Supplies Stores – A central station burglar alarm system that is UL certified should be in place and regularly maintained by an alarm contractor. Pre-employment hiring screening should include detailed applications and reference checks. Requiring a countersignature on all checks and dividing financial responsibilities among separate employees can reduce embezzlement of funds. Church supplies stores should publish a written policy for prosecuting any employee who is caught engaging in theft.