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Wall to wall carpets, carpet pieces, area rugs, vinyl flooring, linoleum flooring, ceramic tiles, asphalt tiles and other floor coverings are sold at these stores. They may be individual stores or located within larger stores such as department stores and home improvement stores. They may engage in installing, removing and repairing floor-covering materials for customers.

General Liability Insurance for Carpets, Rugs & Floor Covering Stores – Carpet, rug, and floor covering stores should provide traffic areas that are spacious and clean with floors in good repair. A rear entry door should be provided for deliveries in order to prevent customer injuries. If no rear entrance is available, then precautions must be used to ensure customer safety during deliveries. Parking and walking areas outside the store must also be in good condition. There is usually minimal products liability.

Workers’ Compensation Insurance for Carpets, Rugs & Floor Covering Stores – Injury may occur to carpet, rug, and floor covering store employees when lifting heavy objects and materials. Proper training on lifting techniques and the use of conveyance equipment will help prevent these injuries. Employees suffering from prior back injury should never attempt to lift anything over 20 lbs. unless they are cleared to do so by their doctor.

Property Insurance for Carpets, Rugs & Floor Covering Stores – Fire is a risk at carpet, rug and floor covering stores due to bonding agents, such as adhesives, that are located on the premises. Combustible materials should be properly labeled and stored in limited amounts away from the carpet, rugs, and other floor covering merchandise. All extra material that is to be thrown away must be placed in an area that does not pose a fire hazard. Excess materials should be removed regularly from the premises in order to reduce the fire load.

Crime Insurance for Carpets, Rugs & Floor Covering Stores – Monies and securities may be stolen from carpet, rug, and floor covering stores as a result of burglary. The use of a central station alarm, double cylinder deadbolt locks, and adequate outside lighting should help reduce burglary risks. Dishonest employees may also steal monies or merchandise. All cash flow should be monitored regularly and duties should be separated for employees who handle the money.