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Home improvement stores sell supplies used by home owners and other individuals for home improvement projects. Plumbing and electrical goods, tools, hardware, lawn and garden supplies, household appliances, toilets, sinks, doors, windows, flooring supplies, light fixtures, painting supplies and lumber can be found in these stores, with no single type of product dominating. These stores may offer delivery, repair and installation services. Sales associates are usually knowledgable about home improvement projects and offer advice to customers.

General Liability Insurance for Home Improvement Stores – Premises liability risks for home improvement stores include falls, contact with sharp objects and toppling merchandise and displays. Employees should be available to assist customers in reaching items that are not easily accessible. Employees should also assist in loading heavy or awkward items into customer vehicles. Home improvement stores operating after dark should have well lit parking areas. Parking areas should be marked with paint and/or signage indicating routes of travel, speed limits and problem areas. Products liability risks increase with the sales of foreign products.

Workers’ Compensation Insurance for Home Improvement Stores – Lifting injuries present a risk for employees of home improvement stores. Proper lifting techniques should be taught to all employees and dollies or hand trucks should be provided for the conveyance of heavy or awkward items. Appropriate ladder safety procedures should be used by employees when accessing stock on high shelves. Ladders should be appropriate for the task and securely stored when not in use.

Business Auto Insurance for Home Improvement Stores – Employee used vehicles can result in significant risk to the business. Risk can be minimized by conducting routine MVR checks, requiring all drivers to carry a certain amount of Personal Auto Liability insurance and upholding a standard of conduct required to operate vehicles for company purposes. The use of home improvement store companys’ vehicles should be restricted to official company business only. Additionally, employees should be restricted from allowing friends or family members to operate company vehicles under any circumstances.

Property Insurance for Home Improvement Stores – The design and construction of home improvement stores should minimize fire loss and should be in compliance with all local building codes. Flammable products such as paper, cardboard and lumber should be kept away from ignition sources. Customer and employee smoking should be prohibited or restricted to a designated area away from combustible items. To minimize shoplifting risks, it is essential that employees maintain full visibility of merchandise by having an intelligently designed layout with plenty of aisle space. Closed circuit TV is also a good measure for minimizing the risk of customer theft and aids in prosecution should a theft occur.

Crime Insurance for Home Improvement Stores – One of the most important controls to prevent employee embezzlement at home improvement stores is to require prospective employees to undergo rigorous pre employment screening to include a detailed application, reference checks, and a criminal background check. Other controls include separating the bank statement reconciliation from the payment or deposit functions. Regarding outside theft, employees should receive training and have available the latest technology for identifying fraudulent or invalid checks and credit cards.