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Gift distributors sell a wide variety of gift items to retailers, including statues, souvenirs, stationary, snow globes, magnets, dolls, collectibles and craft items. They may distribute one or several types of gifts only, such as Christmas theme items, Valentine's Day theme items or stuffed animals. Customers of gift distributors may include gift and souvenir shops, collectibles shops and general stores.

General Liability Insurance for Gifts Distributors – Risks are typically low for premises liability unless customers are allowed to purchase or pick up their own gifts from the warehouse. Signs must visibly indicate where customers are permitted. All furniture and displays that are located in customer accessible areas should be stable to avoid any tip over hazard. Furniture should also be free of defects, such as exposed nails, screws, and metal. Other areas must be restricted to employee use only. Areas subject to customer traffic should be well maintained and in good repair in order to prevent injury for gift distributors. All shipments received from manufacturers should be inspected for defects prior to acceptance. Warehouses that purchase gifts from foreign companies will have increased risks of products liability.

Workers’ Compensation Insurance for Gifts Distributors – Gifts distributors’ employees are at risk of being injured when loading and unloading docks, delivering goods, and/or lifting heavy objects. Employees may also be cut from glass breakage if breakable items are sold. Employees should undergo thorough training that enforces proper lifting techniques and safety measures. Protective safety equipment should be required. If temporary employees are hired during peak seasons, they must be screened and thoroughly trained as well.

Business Auto Insurance for Gifts Distributors – Gifts distributors that employ outdoor salesmen will have increased risks of auto liability. Delivery services also contribute to the high risk of auto accidents. Gifts distributors will likely use their own vehicles to deliver outgoing shipments to retail clients or the general public. The types of vehicles used may include step vans, trucks, and tractor-trailers. If the radius for sales and deliveries is large, then auto accidents are more likely to occur. Company vehicles must be in good condition and serviced often with service receipts kept on file. MVRs should be checked frequently for all drivers and acceptable driving records must be maintained.

Property Insurance for Gifts Distributors – Property insurance risks at gifts distributors are due to fire and theft. Some gift items are more susceptible to fire damage than others. If any flammable items are present, then additional protection should be provided. The risk of fire is also impacted by the proximity and occupancy of neighboring businesses. Neighboring businesses with occupancies such as restaurants, service, and manufacturing carry a higher than normal risk of a fire escaping their boundaries and spreading to other buildings. A one-hour firewall extending through the roof should be used whenever one building is connected to other buildings. Theft is more likely to occur when valuable gifts and collectible items are available. Warehouses should be secured with cameras and alarms to help reduce the risk of theft. Inland Marine risks are fairly high because gifts are often made of breakable materials and may be easily broken while in transit.

Crime Insurance for Gifts Distributors – Employee theft may be increased if valuable gifts and collectible items are sold by gift distributors. Crime risks are increased during peak seasons. Tight inventory controls should be in place to deter employee theft. Employees responsible for monitoring inventory controls should not be authorized to place gift orders. Loading docks should be closely monitored and multiple employees should be involved with shipping and receiving. The use of surveillance systems will help reduce employee dishonesty.