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These stores carry window coverings and related items, including draperies, curtains, upholstery materials, valances, swags, panels, grommet curtains, drapery rods, hooks and shades. Customers or separate installation businesses typically install the items sold. Draperies and related items may be sold in conjunction with other home furnishings and accessories. They may offer custom-made products, delivery services and mail order services.

General Liability Insurance for Drapery Stores – Drapery stores carry similar risks of other retail locations in regards to General Liability. Floor space should be kept clean and free of debris to prevent falls. There should be ample walking space around counters and display units. If a display unit is damaged and cannot be removed immediately, there should be proper warning signage on display for employees and customers. Because large bolts of fabric can be heavy and awkward to carry, customers should be instructed to ask for employee assistance.

Worker’s Compensation Insurance for Drapery Stores – Drapery store employee’s main risks come from falls or lifting accidents while on the job. Floors should be kept free of debris and all employees should be instructed on the proper lifting techniques for moving inventory or display units. If employees are assisting in installation of window coverings they run the risk of falling off a ladder. To reduce this risk, two employees should always work together when one is on a ladder. The ladder should be used properly and put away when the installation is complete.

Business Auto Insurance for Drapery Stores – Employee used vehicles can pose a serious risk to  drapery stores. Checking employee MVR’s prior to employment and each year thereafter can control risk. Additionally, employees using their own vehicles for company errands or deliveries should be required to carry a certain amount of Personal Auto insurance coverage. If employees are operating company owned delivery vehicles, proper training on operation and maintenance are essential to minimizing risk. Use of company owned vehicles should be restricted to company business only and family members of employees should not be allowed to operate the vehicles under any circumstances.

Property Insurance for Drapery Stores – Drapery stores face similar property risks to other retail locations. Fire is always of concern, especially with the large amount of fabric present in a drapery store. Fabrics should be kept neat and tidy and stored away from all other flammable materials and heating elements. The store should be properly equipped with fire detectors and extinguishers. Trash and recycling should be removed regularly to reduce the risk of a fire hazard.

Crime Insurance for Drapery Stores – The crime risks for a drapery store arise from credit card and check fraud, employee theft and theft of money or securities from outsiders. One of the best ways to prevent internal theft is to require employees to undergo thorough criminal background checks prior to hiring. Tight inventory controls should be in place to deter employee theft.