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Dry Goods, Fabrics & Yarn StoreThese establishments sell supplies related to needlecraft hobbies, including knitting, crochet, sewing and embroidery. Essential supplies for these hobbies include yarn, fabric, thread, knitting needles, crochet hooks and pattern books. Some stores may carry supplies for other crafts as well, such as beading, scrap booking, stamping, stenciling and artificial flower arranging. Crafting classes may be offered on the store's premises. General Liability Insurance for Dry Goods, Fabrics and Yarn Stores – Dry goods, fabric and yarn stores face similar risks to those of other retail locations. All visitor areas should be kept free of debris to prevent falls and there should be ample room to navigate around display areas. Because fabrics and scrap booking supplies can be heavy and difficult to move, customers should be instructed to ask for employee assistance when interested in large or heavy items. Additionally, particular care should be taken to ensure that all knitting, crochet and other needles are stored and marked properly to avoid customer injury. Worker’s Compensation Insurance for Dry Goods, Fabrics and Yarn Stores – Employees of dry goods, fabric or yarn stores will face the greatest risk of injury from moving inventory or falling in the store location. All areas should be kept tidy and navigable. Employees should be trained on the proper techniques for safely moving or lifting inventory. If ladders must be used, they should be used properly and put away as soon as the job is complete. Business Auto Insurance for Dry Goods, Fabrics and Yarn Stores – If employees are going to be operating their personal or company owned vehicles for business purposes, they should have their MVR’s thoroughly checked. Unacceptable MVR criteria should be in place to remove an employee from the driving roster should they fail to uphold certain standards. If employees are required to use dry goods, fabrics and yarn stores' vehicles, the scope of acceptable activities should be firmly in place. Driving should be restricted to business related trips only and family members should not be allowed to use the vehicle for any reason. Property Insurance for Dry Goods, Fabrics and Yarn Stores – Fire poses a major risk for dry goods, fabric and yarn stores due to the high concentration of combustible materials. Fabrics and yarn should be kept tidy and away from all heat sources and other flammable materials. Unnecessary trash, paper and packing materials should be removed regularly to decrease the fire risk. Cleaning supplies and other chemicals should be stored in appropriate containers away from fabrics and paper products. Fraud is also a concern. All employees should be properly trained in methods of identifying stolen or invalid credit cards and checks. Crime Insurance for Dry Goods, Fabrics and Yarn Stores – All pre employment screening for dry goods, fabric or yarn store employees should include signed applications, reference checks and criminal background checks. Dividing the accounting responsibilities can reduce the risk of employee theft of monies. Counter signature should be required for all checks. The person who reconciles the bank statement should not be the same person responsible for deposits or withdraws.
Insurance Policies To Consider:
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