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These stores carry a general line of apparel, dry goods, hardware, household goods, home furnishings, groceries and other products at a variety of prices and in limited amounts. These stores may also be referred to as country stores. They do not specialize in any particular type of product and are not separated into departments.

General Liability Insurance for General Stores – Merchandise must be easily accessible to customers. Ample space should be provided in all walkways and floors should be in good condition. Exit signs must be well marked. Parking lots and outdoor walk areas should be free of debris and have no danger of slips and falls. If general store visitors are falsely accused of shoplifting, then a personal injury exposure will exist. Training should be implemented by the general store for correctly approaching potential shoplifters. Importing merchandise from other countries will increase products liability.

Workers’ Compensation Insurance for General Stores – General store employees may be injured as a result of falling or lifting accidents. Injuries may also occur to employees who use knives, box cutters, or razors to open merchandise and stock containers. Employees should be trained on proper lifting and safety techniques.

Property Insurance for General Stores – Fire and theft are risks at general stores, but the risks are usually minimal. General stores typically do not sell highly flammable or very valuable products. However, excess paper and plastic packaging materials, boxes, and trash could increase the fire load. Therefore, all trash should be removed daily to reduce the risk of fire. General stores should also be secured with camera monitoring and burglar alarms in order to help prevent theft.

Crime Insurance for General Stores – Merchandise may be stolen by employees of Genreral Stores. Money and securities may be stolen as a result of robbery or employee theft. Cash flow should be monitored, bank deposits should be made daily, and inventory should be counted often to help prevent employee dishonesty. Checks should be immediately stamped “for deposit only” and all incoming monies should be dropped into a fire and theft resistive safe until the daily deposit is made.