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Kitchen cutlery, butcher cutlery, kitchen supplies and cooking accessories can be purchased in cutlery stores. This includes knives, slicing devices, flatware, spatulas, serving spoons and other tools. Other kitchen supplies may be sold in conjunction with cutlery, such as pots, pans, baking sheets, potholders, dishes, aprons, cutting boards and mixing bowls.

General Liability for Cutlery Stores – General liability risks for cutlery stores increase due to the increased exposure employees and customers have to sharp objects, mechanical appliances and breakable objects. All sharp objects should be properly marked and employees should be instructed on the proper way of assisting customers in handling sharp knives and utensils. Visitor areas should be kept clean and free of debris to prevent falls. All display shelving should be properly secured to prevent collapse and customer injury. Additionally, customers should be instructed to ask for assistance when interested in items out of their reach. If ladders or stepping stools are used to access these items, they should be used properly and put away immediately following use.

Worker’s Compensation Insurance for Cutlery Stores – Worker’s Compensation risks for cutlery stores are generally the same as other retail suppliers. Employees do have greater exposure to sharp objects and proper precautions should be taken. Back injury can result from improper lifting of inventory items. All employees should be trained in proper lifting techniques to reduce the risk of injury. All floor areas should be kept clear to prevent falls and display areas should be easily navigable.

Business Auto Insurance for Cutlery Stores – If employees of cutlery stores are using personal vehicles for business related errands or deliveries; their MVR’s should be checked. Additionally, employees should be instructed to inspect vehicles before each trip and be sure they are aware of the proper procedures should an accident take place. All employees using their own vehicles should also be required to carry Personal Auto Liability insurance with a minimum of $300,000 combined single limits.

Property Insurance for Cutlery Stores – As with any retail location, fire posses a risk to cutlery stores. Age and condition of the building are contributing factors, as well as inventory and storage methods. Electrical and wiring should be maintained and checked regularly. Paper, packing materials and cardboard boxes should be removed often and kept away from other flammable materials, cleaning supplies and heating elements. Burglary is also a concern, especially when items are easily placed in pockets or purses and removed from the store. Small, valuable items should be kept close to the cash register or other locations where employees will be able to monitor it regularly. Closed circuit cameras are also a good idea, as well as electronic tagging for particularly valuable items.

Crime Insurance for Cutlery Stores – Employee theft is a concern of any retail establishment, including cutlery stores. As a deterrent, the business should publish a written policy of prosecuting any employee caught stealing money or inventory. Additionally, accounting procedures should be separated and monitored regularly. All checks should immediately be stamped “for deposit only” and thorough background checks should be conducted on all employees with access to monies.