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These businesses distribute kitchen accessories to retailers and businesses that use kitchen accessories, such as eating establishments. Products may include cookware, bakeware, small kitchen appliances, utensils, silverware, dish towels, pot holders, timers, aprons and drinking glasses. They may specialize in one or several brands of kitchen accessories. Retailers who purchase items from these distributors may include kitchen accessory stores, cutlery stores and glassware stores.

General Liability Insurance for Kitchen Accessory Stores – Products on display in kitchen accessory stores should not hang over shelf edges. Employees should be available to assist customer with items that are out of their reach. Floor coverings should be clean and free of defects to prevent customer falls. Many kitchen supply stores purchase items from manufacturers located outside the United States and Canada. Product liability risk increases because there is often little recourse in the US civil court system should a product be defective. To reduce the risk, storeowners should purchase from reputable sources, inspect all deliveries prior to acceptance and keep employees versed on the proper operation and maintenance practices for such items.

Workers’ Compensation Insurance for Kitchen Accessory Stores – All kitchen accessory store employees should receive proper training in responding to normal and emergency injuries, administering first aid, proper procedures for transfer to treatment facility for minor injury and proper documentation of all the above. Employees should be instructed to use extra precaution when opening stock cartons with knives or razor blades – as they present a potential risk of injury.

Business Auto Insurance for Kitchen Accessory Stores – When kitchen accessory store employees use their own vehicles for travel, their MVR’s should be checked and verified for acceptability and they should be required to carry a Personal Auto policy with minimum Auto Liability limits of at least $300,000 combined single limits. All accidents should be thoroughly documented by the driver following the written procedures that should be stored in an interior compartment of the vehicle. The driver should record all pertinent information including the names and contact information of potential witnesses.

Property Insurance for Kitchen Accessory Stores – A central station smoke alarm system should be installed as part of a security system in every kitchen accessory store. Approved fire extinguishers should be available at key points throughout the premises and training should be conducted in their usage. Trash should be removed daily and flammable items should be stored properly to further reduce the risk of fire. The risk of customer theft can be reduced by installing security cameras and by training employees to closely monitor the activities of customers.

Crime Insurance for Kitchen Accessory Stores – To minimize the risk of theft by employees from cash registers, keep only small amounts of cash on hand, transfer regularly to safes and then to the bank. When making bank transfers from the kitchen accessory store, avoid a regular schedule so that potential robbers cannot establish a pattern. To prevent the theft of inventory by employees, conduct audits regularly. Separating banking procedures so that no one person is responsible for deposits and reconciliations further reduces the risk of fund embezzlement.