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Lingerie and accessories stores sell undergarments, sleepwear and lingerie for women, as well as accessories and some beauty products. Bras, panties, babydolls, garters, garter belts, bustiers, nightgowns and pajamas are among the potential items for sale. Related accessories and products such as hosiery, makeup, fragrances, lotions, jewelry, hair accessories, scarves and handbags may be sold in addition to lingerie. Some clothing may be offered. Stores may specialize in fancy or simple lingerie.

General Liability Insurance for Lingerie & Accessories Stores – Lingerie and accessories stores should provide a neat and clean atmosphere with plenty of walking space between clothing racks and display stands. Merchandise should be easily accessible by customers in order to prevent injury. Clothing racks, shelving, and display stands should all be sturdy in order to prevent tip over hazards and/or toppling merchandise. All exits must be highly visible. Stairs should be constructed to code, have sturdy handrails, and have skid resistant surfaces. The premises located outside the store should be well lit and must have no trip and fall hazard. Any uneven surfaces should be marked with yellow paint. A store that imports merchandise from other countries will be at higher risk of products liability.

Workers’ Compensation Insurance for Lingerie & Accessories Stores – Employees of lingerie and accessories stores should be trained to handle stock and properly lift heavy objects. Conveyance equipment such as hand trucks and dollies can assist in risk reduction if employees are trained in their proper usage. Lingerie items may be packaged with stickpins. Precautions should be taken to avoid injury.

Property Insurance for Lingerie & Accessories Stores – Lingerie and accessories stores carrying products such as perfumes and lotions are at higher risk of fire. Fire, smoke, and water can all damage lingerie wear. Makeup can also be contaminated during a fire. A central station smoke alarm system should be in place to help reduce the loss potential in the event of a fire. Approved fire extinguishers should be in place and employees should be trained to properly use them. Annual inspections and recharging should be conducted on all fire extinguishers.

Crime Insurance for Lingerie & Accessories Stores – Money should be controlled by depositing funds daily, monitoring cash drawers, and separating duties among employees. Requiring counter signatures of checks and performing routine inventory counts could help reduce employee dishonesty. Security systems, bars around low visibility windows, and double cylinder deadbolt locks may help prevent loss of money through burglary at lingerie and accessories stores.