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These stores engage in the retail sale of goods made of brass, copper and pewter, such as candelabras, doorknockers, doorknobs, bells, ornaments, cooking utensils and fireplace accessories. Customers may special order items through these establishments. Stores may have Web sites in place for online shopping and/or take telephone orders.

General Liability Insurance for Brass, Copper & Pewter Specialty Stores – Brass, copper, and pewter specialty stores should not have significant premises liability risks. However, the property must be maintained by keeping the store in good condition with adequate walk space and flooring that is in good repair. Brass, copper, and pewter products can be heavy and, therefore, displays should be sturdy and shelving should be sufficiently anchored in order to prevent hazards to customers.

Workers’ Compensation Insurance for Brass, Copper & Pewter Specialty Stores – Employees of brass, copper, and pewter specialty stores should use proper lifting techniques when picking up and moving heavy items. Stores that do not have organized floor space and stockrooms will have higher risks of employee trips and falls. Displays and shelving should be stable to prevent employee injuries due to shelving collapse and toppling merchandise.

Business Auto Insurance for Brass, Copper & Pewter Specialty Stores – Business auto insurance risks will be lower for brass, copper, and pewter specialty stores if customers typically travel to the store premises (or make purchases online). Employees may run errands periodically in addition to making short trips to the bank everyday. Brass, copper and pewter specialty stores can reduce their risks of auto liability by verifying driving records for their employees.

Property Insurance for Brass, Copper & Pewter Specialty Stores – The fire load at brass, copper, and pewter specialty stores may include flammable polishes and cleaning supplies in addition to packing materials and trash. Controls should be in place when storing flammable and combustible liquids. Excess polishes and cleaning supplies should be stored in a fireproof cabinet in a separate room from the main store. A “no smoking” policy should be in place to reduce fire risks.

Crime Insurance for Brass, Copper & Pewter Specialty Stores – Brass, copper, and pewter specialty stores should use detailed applications and check references in an attempt to hire honest employees. Employee theft can be better controlled if a division of duties is required where one employee cannot steal without being in collusion with another employee. Brass, copper, and pewter specialty stores that sell items on the Internet should maintain checks and balances by performing frequent internal audits.