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These stores specialize in selling knives and scissors that are used for a variety of purposes, such as cooking and crafts. Types of knives that may be offered include butcher knives, table knives, carving knives, pocket knives and straight razors; types of scissors may include paper scissors, kitchen scissors, hair cutting scissors and nail scissors. Related sharp-bladed objects such as gardening tools may be included. Knife and scissor sharpening services are usually offered.

General Liability Insurance for Knife & Scissor Stores – The premises liability risks of knife and scissor stores include falls, contact with sharp objects and toppling merchandise and displays. Areas where work is being performed, especially blade sharpening, should be separated from customer areas and designated by visible “Employee Only” signage. Any customer that requires an employee should accompany access to these areas at all times. Walk spaces between aisles should be easily navigable. Outside areas such as parking lots, sidewalks and other walkways should be well lit and free of defects such as holes, cracks, trash and any uneven surface that may lead to customer injury.

Workers’ Compensation Insurance for Knife & Scissor Stores – Employees engaging in blade sharpening at a knife and scissor store should be properly trained and provided with appropriate personal protection equipment. The program should clearly express management’s policy of a zero tolerance wok place when it comes to matters of compliance with safety standards. Employees should be taught how to properly handle all knives and scissors and shown basic first aid techniques should a cut or lacerations occur.

Business Auto Insurance for Knife & Scissor Stores – Employees of knife and scissor stores may be required to run post office or banking errands. Drivers MVR’s should be checked regularly and if using personal vehicles for company business drivers should be required to carry a certain amount of Personal Auto insurance coverage.

Property Insurance for Knife & Scissor Stores – To reduce fire risk in a knife and scissor store, verify that left, right, front and rear premises operated by other businesses do not increase the fire exposure of your business. Fire exposure from adjoining businesses can be reduced by either an appropriate distance barrier or by the use of approved firewalls should the buildings be attached

Crime Insurance for Knife & Scissor Stores – Burglars target businesses that are vulnerable upon first inspection. Ripe targets include businesses that are not well lit, have close cover such as shrubs and other visual obstructions, and that have unprotected windows and doors without proper locks. It is important that employees of a knife and scissors store be instructed not to resist robbery attempts and should instead concentrate on robber identification. Written procedures and training should be provided for how to deal with robbery. Invalid credit cards and checks are an increasing problem for retail businesses. Employees should be properly trained to spot counterfeit currency or stolen credit cards.