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Electronic stores sell a variety of electronic machines and devices, including video gaming equipment, televisions, DVD players, audio equipment, cameras, video recording equipment, computers, printers, telephones and home appliances. These stores may specialize in one type of electronic devices or sell a variety. They may offer repair, support and/or installation services for their customers.

General Liability for Electronics Stores – Electronic stores carry a wide variety of expensive and often bulky inventory. For this reason, store fixtures and displays should be adequately secured to avoid tip over and subsequent customer injury. Customers should be advised to seek employee assistance if interested in looking more closely at or purchasing a large and/or heavy item. The areas where excess inventory is kept should be physically separated from customer areas and clearly marked with signage indicating entry is restricted to employees.

Worker’s Compensation Insurance for Electronics Stores – Most Worker’s Compensation risk at an electronics store will result from the lifting and moving of inventory. All employees should be trained in proper lifting methods to avoid back strain or injury. If forklifts or other machinery is being used, employees should have the required training and certification before operation. Employees should be aware of all procedures required to report an injury claim.

Business Auto Insurance for Electronics Stores – Many electronics stores offer delivery of new equipment. Any employees operating company owned delivery vehicles should be properly trained in operation and maintenance procedures.

Property Insurance for Electronics Stores – Electronics stores should be designed to minimize the risk of fire loss. Flammable materials should be properly stored and electronic items should be plugged in properly without overloading the circuits. Sprinkler discharge from fire prevention systems can potentially damage electronic equipment, so non-water extinguishing systems should be considered.

Crime Insurance for Electronics Stores – Pre employment screening is a good method of preventing employee theft. References should be checked and a thorough background check completed. Due to the high value inventory of electronics stores, security cameras and other inventory tracking methods should be in place to prevent employee theft. As with other retail locations, proper banking procedures should be in place.