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Linens such as blankets, bedspreads, table linens, pillows, towels and sheets are predominantly sold in these stores. There may be additional sections for related home products, such as kitchen accessories, home decor, small appliances and window coverings. While other home products may be sold, the focus of these stores is on the sale of woven textiles used in bedrooms, bathrooms, dining rooms and kitchens.

General Liability Insurance for Linen & White Goods Stores – Care must be taken in linen and white goods stores for merchandise to be secure on shelves to prevent shelving collapse and related customer injuries. Merchandise should be stacked away from edges with any heavier items stored on the bottom shelf or on the floor. All independent contractors that visit the store to perform services such as janitorial, pest control or equipment repair should provide evidence of acceptable General Liability insurance and should enter into hold harmless indemnification agreements in favor of the business owner.

Workers’ Compensation Insurance for Linen & White Goods Stores – Employees of linen and white goods stores should be properly trained and instructed on identifying and reporting potential hazards to management. All employees should use appropriate ladder safety when accessing stock kept on high shelves. Employees should be required to wear appropriate clothing and shoes for their job descriptions.

Business Auto Insurance for Linen & White Goods Stores – Non-business use of linen and white goods store company vehicles should be limited or prohibited. Unacceptable MVR criteria should be in place with steps to move drivers to a non-driver status in the event they do not meet the minimum requirements.

Property Insurance for Linen & White Goods Stores – Flammables can cause fires, especially with the large amounts of paper and cloth kept in a linen and white goods store. Items such as paint, solvents, cleaning products and other flammable liquids should be stored outside or in a special cabinet. Only keep the necessary amount of these items on hand. Wiring problems can cause fire. Employees and management should be able to spot frayed wires and overloaded circuits and take the steps to remedy the risk.

Crime Insurance for Linen & White Goods Stores – All linen and white goods store employees should be trained on how to observe and react to robberies. Cash registers should be located away from entrances and employees should be instructed not to resist the demands of robbers. To decrease the risk of employee embezzlement of funds, management should require countersignature on all checks, separation of payment and reconciliation duties and all persons responsible for making deposits should be required to take at least one week vacation per year.