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These stores sell custom-engraved monuments and tombstones to the public. Monuments and tombstones sold by these stores are installed by separate installation companies. Products range from personalized headstones that sit permanently in cemetaries, or monuments that are erected in other locations, such as parks. These businesses perform engraving services for most orders.

General Liability Insurance for Monument & Tombstone Stores – Tripping and accidental tipping over sample monuments is a risk for any monument and tombstone store. If customers are allowed to walk through display areas – care should be taken to ensure that sharp corners are covered or clearly indicated, aisles are wide enough to successfully navigate through without bumping into monuments and that employees are present to assist in helping customers through these areas. Following proper housekeeping practices can reduce other typical liability risks. These include keeping public restrooms clean and sanitary, cleaning up all spills as soon as they occur and indicating wet flooring with proper signage and removing any debris from aisles, entryways or sidewalks.

Workers’ Compensation Insurance for Monument & Tombstone Stores – Most employee injury at a monument and tombstone store will result from improper lifting and moving of monuments, collapse or fall of display units or tripping over displays. Proper lifting techniques should be taught to reduce the risk of back strain, slipped discs, sprains and hernias. Hand trucks and dollies should be available for moving heavy or awkward items. Post employment physicals may be required to determine if any limitations exist for lifting.

Business Auto Insurance for Monument & Tombstone Stores – Business Auto liability increases if monument and tombstone stores make deliveries. Drivers should be instructed to inspect vehicles before each trip. It is important to check tire inflation, fuel and oil levels, and operation of brakes, lights and wipers. Defensive driving instruction can be used to help drivers avoid accidents due to factors outside of their control caused by road conditions, weather, heavy traffic and unpredictable drivers.

Property Insurance for Monument & Tombstone Stores – Since arson is the leading cause of fires to business buildings, controls should be put in place. The outside of the monument and tombstone building should be well lit and outdoor displays should be surrounding by a fence or some other method of security. All combustible materials located outside should be removed and disposed of regularly.

Crime Insurance for Monument & Tombstone Stores – Crime exposures for a monument and tombstone store can arise from credit card and check fraud. Checks should be immediately stamped “for deposit only”. Cash, checks and credit card receipts should be place in fire and theft resistive safes until such times that deposits can be made. Bank deposits should be made daily, but at unpredictable intervals to reduce the risk of a courier robbery.