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These stores sell hearing aids (devices that amplify and modulate sound when worn in or behind the ear) and hearing aid batteries. Types of hearing aids that may be available include body worn aids, behind the ear aids, in the canal aids, receiver in the ear aids, bone anchored hearing aids and open-fit devices. In addition to selling hearing aids, these stores service customers by fitting and repairing hearing aids.

General Liability Insurance for Hearing Aid Stores – Sales of products manufactured outside the United States and Canada at a hearing aids store can result in a higher product liability risk. When real manufacturers are located outside the United States there is often little recourse in the US civil court system should a product be defective. Product liability controls should include buying products from established sellers, inspection of all deliveries for defects before accepting, storage of all products per manufacturer instructions and appropriate training of sales personnel so they are knowledgeable and properly representing the product. Other premise liability risks for hearing aid stores can be minimized with proper housekeeping procedures. All customer traffic areas should be kept clean and free of debris. Public restrooms should be kept sanitary and all spills should be cleaned up immediately and indicated with proper signage.

Workers’ Compensation Insurance for Hearing Aid Stores – All employees of hearing aids stores should be trained in basic first aid. All employee walkways and floor areas should be kept clean and free of obstructions to prevent employee falls and injuries. Employees should also be aware of the procedures necessary for filing any accident or injury claim.

Business Auto Insurance for Hearing Aid Stores – All drivers employed at hearing aid stores operating personal or company vehicles for business use should adhere to mandatory usage of seat belts and a prohibition of use of controlled substances that can impair driving performance both before and after driving. Guidelines and limitations should be set for the use of cell phones and the use of company vehicles should be strictly limited to business functions only.

Property Insurance for Hearing Aid Stores – All businesses, including hearing aid stores, run the risk of fire damage to their buildings. This risk is also impacted by the proximity and occupation of neighboring businesses. A one-hour firewall extending through the roof should be used whenever one building is connected to other buildings such as in a strip shopping center. Inventory at a hearing aid store, including hearing aids and batteries, are highly sensitive and susceptible to damage from fire, smoke or water.

Crime Insurance for Hearing Aid Stores – Employee theft of monies and securities can be minimized at hearing aid stores, if procedure requires separate employees to coordinate activities in order to complete banking and inventory related tasks. Additionally, management should distribute a written policy of prosecuting any employee who is caught engaging in theft to the fullest extent of the law. Burglary by outsiders can be minimized by the use of safes, central alarm systems, frequent bank deposits and silent alarms to notify police.