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These shops sell supplies related to a variety of hobbies, such as scale-model kits for airplane and car model building, craft kits and tools (except needlecraft supplies), science kits, art tools and finishing materials. Toys and games may be available at these shops as well. Online shopping and mail order services may be available.

General Liability Insurance for Hobby & Model Shops – Aisle space in hobby shops should be wide enough to pass through safely. Store fixtures and displays should be secure to avoid tip over and related customer injury. Dangerous products, such as those with small parts or chemicals like model glue, should be kept on higher shelves and out of the reach of children. All floors should be kept clean, and mopping should be left until after hours to prevent slipping of employees or customers on wet floors.

Worker’s Compensation Insurance for Hobby & Model Shops – The training of employees at hobby and model shops (both new hires and periodic refresher courses for all employees) should be stressed with an eye toward keeping OSHA compliance for workplace safety in areas such as electrical safety, hazard communication, slips and falls and proper lifting technique. Employees should also be instructed to use the up most care when opening inventory boxes, as using knives or razors to open stock cartons is a liability risk.

Business Auto Insurance for Hobby & Model Shops – Business travel for a hobby shop may result from employees running errands to the post office, bank or supply stores. Drivers should always inspect vehicles before each trip to verify proper tire inflation, fuel and oil levels, operation of brakes, lights and wipers. If personal vehicles are being used for business travel, employees should be required to carry a sufficient amount of Personal Auto Liability insurance.

Property Insurance for Hobby & Model Shops – Flammables such as model glue, wood parts, plastic and paper products increase the risk of fire in a hobby shop. Stock rooms should be kept tidy with adequate aisle space to prevent the spread of fire. All flammable items should be properly stored away from ignition sources. Shoplifting can result in significant losses, especially when the merchandise is small and valuable. An electronic tagging system with door exit alarms can be a deterrent. If these systems are not financially feasible, monitoring can be maintained by mirrors and closed circuit cameras.

Crime Insurance for Hobby & Model Shops – Crime exposure for a hobby shop can arise from credit card and check fraud, employee dishonesty and theft of money by outsiders. Following simple hiring practices can minimize employee theft risks. All employees should be required to undergo thorough background and reference checks. Theft of money or securities by outsiders either from robbery or burglary can be minimized by the use of safes, security systems, limiting the amount of cash kept on hand and hidden buttons to alert the police.