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These companies sell and deliver a variety of merchandise ordered by catalog, the Internet or television to customers. Their activities include taking telephone and Internet orders, packing orders and mailing orders to customers' residences and workplaces. They may handle orders placed from television shopping channels, catalogs, Web sites, or a combination of the above. Mail order houses may sell and deliver items for one or more specific retailers.

General Liability Insurance for Mail Order Houses – Public traffic is not usually permitted at mail order houses, so premises liability risks are low. If customers are allowed, they should be limited to designated areas that are visibly marked for their access. Public areas should be clean and shipping and receiving areas should remain safe at all times. Parking lots, sidewalks, and other outdoor pathways should be free of holes, and uneven areas. Any changes in level should be marked with highly visible yellow paint. Products liability exposures may exist, depending on the type of merchandise sold. All products should be labeled with proper usage instructions and warning labels, where applicable. Mail order houses should buy products only from established sellers with reputations for quality products. Mail order houses should not falsely advertise their products. Food and drug administration guidelines should be followed. Mail order houses should verify that their suppliers have liability coverage in place.

Workers’ Compensation Insurance for Mail Order Houses – Employees may be injured when operating conveyers or lifting equipment inside mail order houses. Employees should be trained to respond to normal and emergency injuries by calling 911, accessing first aid equipment, and notifying the HR department. Warehouses should be clean and clutter free in order to prevent trip and fall hazards. Loading docks should be in good repair at all times. All employees should undergo thorough training of all stock handling and safety procedures.

Business Auto Insurance for Mail Order Houses – Auto liability risks are high if mail order houses offer delivery to local areas or travel to trade shows to promote their merchandise. If personal use of company vehicles is permitted, then automobile risks are greater. Young and inexperienced drivers will also be more prone to auto accidents. A driver recruitment policy should be in place with MVRs run prior to allowing driver status. Annual MVRs should be checked and vehicles should be inspected and maintained at all times.

Property Insurance for Mail Order Houses – Mail order houses should verify that the left, right, front, and rear premises operated by other businesses do not increase the fire exposure to their own premises by the nature of the other operations. Mail order houses may be cluttered with large volumes of merchandise, resulting in fire hazards. Plastic items and packing materials contribute to the fire load. Items may be damaged when exposed to fire, water, or smoke. Fire detection and extinguishing devices should be used as a result.

Crime Insurance for Mail Order Houses – When expensive items are sold, the risk of employee theft and robbery increases. Inventory control programs should be implemented at mail order houses to help reduce employee theft. Financial responsibilities should be separated among employees to reduce the potential of embezzlement. Checkbooks should not be left in the open, but should instead be stored in locked drawers or cabinets. The property should be secured with the use of central station alarms to prevent burglary from occurring.