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These businesses sell a range of products used to create lighting in homes, businesses and other buildings. Wall or ceiling-mounted lighting fixtures, chandeliers, floor lamps, table lamps, outdoor lamps and ceiling fans may be among the products for sale. Basic and specialty light bulbs may also be offered. Stores may provide installation services or contract with electrical contractors who provide installation services for customers.

General Liability Insurance for Lamps & Lighting Fixtures Stores – There should be no potential danger for lamp and lighting fixtures store customers to be injured while on the store’s property. Doorways and walking spaces should be clear of debris and floors should be in good condition. Lights and lamps should be displayed so they are easily accessed. However, lights should not hang so low from the ceiling that they could cause head injury to customers. Deliveries should be made through a rear entry to prevent customer contact and the related risk of collisions and falling cargo. The outdoor premises must be free of hazards to customers as well. If products are ordered directly from foreign countries, the risk of products liability will be greater.

Workers’ Compensation Insurance for Lamps & Lighting Fixtures Stores – Delivery drivers of lamp and lighting fixture stores are at risk of being injured when loading and unloading vehicles. Employees may also be injured when lifting heavy objects. Broken glass from lampshades, light coverings, or light bulbs could cause employees to get cut. Hanging light displays and floor lamps could also fall and injure the employees. Training should be enforced to teach proper lifting and safety techniques.

Business Auto Insurance for Lamps & Lighting Fixtures Stores – Stores often deliver lamps and light fixtures to homes and offices. Store managers should verify MVRs regularly of all drivers, ensuring they maintain acceptable driving records. Lamp and lighting fixture stores must provide properly working vehicles and have them checked often for repairs and maintenance. Documentation of all repairs is required. Stores that provide newer model delivery vans and trucks will help lower business auto risks.

Property Insurance for Lamps & Lighting Fixtures Stores – Lamp and lighting fixture stores are at risk of fire and water damage. In order to display their merchandise, many lamps and lights are turned on during store hours, potentially posing a fire hazard. Electrical outlets can be overloaded resulting in fire. Therefore, power outlets should have double insulated wiring. Wiring systems need to be frequently checked and up to code. Buildings that are over 20 years old will have increased fire risks unless there wiring and electrical systems have not been updated. In the event of a fire, sprinkler systems may cause additional damage to inventory.

Crime Insurance for Lamps & Lighting Fixtures Stores – Crime insurance risks are increased due to dishonest employees who embezzle money. Embezzlement can be controlled by requiring countersignatures, separation of duties, and requiring mandatory vacations for bookkeepers. Counting inventory on a regular basis can reduce employee theft of merchandise for lamps and lighting fixtures stores.