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These establishments sell lamps, lighting fixtures and related products for resale in furniture stores, department stores, home improvement stores and other retailers of lamps. Products include table lamps, floor lamps, wall and ceiling lighting fixtures, chandeliers, ceiling fans and a variety of light bulbs. Some may distribute lamps and lighting fixtures along with related goods such as home décor and furniture. Products may be used for residential or commercial purposes.

General Liability Insurance for Lamps & Lighting Fixtures Distributors – Customers are not normally allowed on premises at lamp and lighting fixture distribution centers and, therefore, premises liability risks are low. In the event that customers are allowed on site for picking up merchandise, then premises liability risks are increased. Access should only be provided in certain areas that are marked with appropriate signage for customer pickup. These areas are to remain clean and free of any hazards at all times. Loading docks should also be in good repair to prevent injury from occurring to outside delivery drivers. An operations hazard may exist if product demonstrations are made off premises or if there is any installation activity at the location of a buyer. If so, caution should be exercised in order to prevent harm to the client or any third parties in the form of bodily injury or property damage. Importing goods from countries outside the US will result in increased products liability risks. Otherwise, the risks are minimal.

Workers’ Compensation Insurance for Lamps & Lighting Fixtures Distributors – Workers’ compensation risks for lamps and lighting fixtures distributors are typical of most warehouses. Lifting heavy objects may cause back injury or strain. Back braces should be required as a result. Injury may also occur to employees when loading and unloading trucks or delivering goods. If employees are responsible for installing the lamps and lighting fixtures, the risk for injury is also increased. Complete training programs should be implemented to promote safety and reduce employee injury. Warehouse workers should wear steel toe shoes and other personal safety equipment as a result.

Business Auto Insurance for Lamps & Lighting Fixtures Distributors – Lamp and lighting fixtures distributors are likely to use their own vehicles for delivering outgoing shipments to retail clients and/or the general public. The types of vehicles used may include step vans, trucks, and tractor-trailers. Delivery vehicles are at higher risks of automobile accidents due to the amount of time spent on the road. Good driving records are required of all drivers. Frequent MVR checks should be run and corrective action should be taken if accidents occur or if a driver’s MVR becomes unacceptable. Regular vehicle maintenance is necessary in order to ensure proper working order of vehicles at all times. Service records must be kept on file.

Property Insurance for Lamps & Lighting Fixtures Distributors – Significant loss may occur to lamps and lighting fixtures as a result of fire, smoke, or water damage. The fire load at lamp and lighting fixture distribution centers consists of cardboard shipping cartons and paper and plastic packaging materials. Trash and excess packing materials should be removed from the premises every day in order to reduce the fire load. Storage shelving and pallets may contribute to the fire potential as well if they are made of wood or other flammable materials. Fire suppression systems should be used to help reduce potential damage. Light covers, light bulbs, and lamps are made of glass and are easily broken when transported. These items should be securely packaged in order to reduce the risk of Inland Marine claims.

Crime Insurance for Lamps & Lighting Fixtures Distributors – Employees should be pre-screened with background checks and reference checks. Security cameras should always be used to help reduce employee theft. Employees should have separate duties for ordering and inventory procedures. Inventory counts should be performed regularly at lamp and lighting fixtures distribution centers.