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Hallmark Card Stores are greeting card shops owned by Hallmark Cards, Inc. Aside from greeting cards, Hallmark card stores carry stationary, envelopes, pens, party supplies, gift wrap, ornaments, stuffed animals, jewelry, flowers, plants and a variety of gifts. Hallmark Cards, Inc. also owns Hallmark Gold Crown stores, which carry the same types of products as Hallmark card stores but are independently owned.

General Liability Insurance for Hallmark Card Stores – Most General Liability risk associated with Hallmark card stores comes from customers falling or injuring themselves while on the premises. Falls and injuries can be avoided by following a number of common sense practices. Displays should be kept tidy and easy to navigate around. Floor areas should be swept daily and kept free of debris. Heavy or breakable items should be kept on lower shelves to avoid tip over or collapse. Customers should be instructed to ask for employee assistance when attempting to retrieve items out of their reach.

Workers’ Compensation Insurance for Hallmark Card Stores – The Worker’s Compensation risks are those of normal retail store locations such as falls, electrical shock, shelving collapse and back injuries. Back injuries occur when proper lifting procedures are not enforced. All employees of Hallmark card stores should know the proper method of moving boxes or other inventory to reduce the risk of injury. Appropriate ladder safety procedures should be used by employees when accessing stock on higher shelves. Ladders should be well maintained and stored properly when not in use.

Business Auto Insurance for Hallmark Card Stores – There is very little risk of Business Auto claims associated with Hallmark card stores. Most employee driving would be restricted to daily banking or post office errands. If employees are required to use their own vehicles, MVR checks should be completed regularly and the driver should be required to carry a minimum amount of Personal Auto insurance.

Property Insurance for Hallmark Card Stores – Hallmark card stores run the risk of fire, due to the large amounts of paper products present in inventory. Additionally, contents such as cards, stationary, scrapbooks and collectable items are sensitive and highly susceptible to damage from smoke, heat and water. Even a small fire can result in a total loss to these types of contents. All precautions should be taken to minimize the risk of fire. Flammable items should be stored properly and away from any ignitable sources. All electrical equipment should be up to date with older equipment being replaced as necessary.

Crime Insurance for Hallmark Card Stores – Employee theft is a concern for Hallmark Card stores where cash or securities are kept on hand. To minimize the risk of employee theft of monies or securities, only small amounts of cash should be kept on premises and banking deposits should be made daily. Burglary risk can be reduced by the use of deadbolt locks, adequate interior and exterior lighting and a central alarm system.