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These stores sell teaching, educational and school supplies including books, paper, posters, bulletin boards, stickers, classroom furniture, writing utensils, software and educational toys to teachers and the public. Teachers may shop at these stores for their classrooms, or individuals may purchase items for children to utilize outside of the classroom. They may have mail order operations in place.

General Liability Insurance for Education and School Supply Stores – Due to the high volume of supplies kept in inventory at an education and school supply store, care must be taken to ensure that merchandise is securely placed on shelves and that measures have been taken to prevent shelving collapse and subsequent customer injury. Merchandise should be stacked away from shelf edges and heavier items should be placed on lower shelves. Additionally, customers should be instructed to ask for employee assistance with any large, heavy or cumbersome items. As with all other retail locations, education and school supply stores should maintain good housekeeping practices to keep restrooms, visitor areas and floor spaces as safe as possible.

Worker’s Compensation Insurance for Education and School Supply Stores – Most work related risk at an education and school supply store will result from the stacking and moving of inventory by the employees. All employees should be instructed on the proper methods of lifting and moving bulky items to prevent back strain or injury. Heavy items should be located on lower shelves to avoid falls or shelving collapse. All spills should be cleaned up immediately and all trafficked areas should be kept navigable and free of debris.

Business Auto Insurance for Education and School Supply Stores – Most employee driving for an education and school supply store will include trips to the post office or bank and possibly picking up or making deliveries. If employees are required to use their own cars, they should be checked for dependability and required to carry a minimum amount of Personal Auto insurance. If company vehicles are being used, employees should be properly instructed on operation and maintenance. Employee MVR’s should be checked regularly and criteria should be in place to revoke an employee’s driving privileges should they not meet the minimum standards.

Property Insurance for Education and School Supply Stores – Fire is a major risk for education and school supply stores. Large amounts of paper, cardboard and other flammable materials are regularly kept in inventory – along with flammable materials such as paint, glue and some cleaning supplies. All paper materials should be kept tidy and stored away from other flammable materials and heat sources. Paint containers and cleaning supplies should be checked regularly for leaks and stored away from other combustibles. Customer theft is also of concern and employees should be trained in proper methods of identifying and dealing with potential customer theft.

Crime Insurance for Education and School Supply Stores – Employee theft is of concern whenever they have access to monies or inventory. Typical anti theft measures should be in place, including separation of duties and required counter signature on all checks. A written prosecution policy should also be circulated to all employees advising them of the company’s policy of punishing theft to the fullest extent of the law. Criminal background checks and periodic drug tests are another way for education and school supply stores to deter employee theft.