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These establishments sell a variety of monuments and tombstones that are resold and installed by retailers and installation companies. Types of products distributed include personalized headstones that sit permanently in cemetaries and monuments that are placed in other locations, such as parks. Related items such as carved statues, urns and benches may be included. They may customize items before shipping them to retailers.

General Liability Insurance for Monument and Tombstones Distributors – Shipping and receiving areas at monument and tombstone distribution centers should be in good repair and pose no hazard for injury. If any stairs are present, they should be clearly marked and should meet all local building codes. Proper signage should be in place for work areas that are for employee use only. Products liability risks are increased if the distributor provides customization services. Stones should be inspected prior to delivery.

Workers’ Compensation Insurance for Monument and Tombstones Distributors – Sandblasting of monuments and tombstones for customization purposes may result in breathing difficulties or eye injury to employees. Personal protective equipment should be worn, such as heavy duty gloves, face shields, and respirators. Monuments and tombstones are very heavy and forklifts, hoists, and other lifting equipment should be used. Employees should be properly trained to use all equipment. Warehouse employees should be required to wear steel toe shoes at all times. The use of back braces may help prevent back injury. Thorough training should be provided to ensure safety precautions are taken and proper lifting techniques are used.

Business Auto Insurance for Monument and Tombstones Distributors – Delivery drivers must be trained to properly load and secure monuments and tombstones onto the vehicles in order to prevent road hazards. Delivery vehicles have heavy gross vehicle weights which increase automobile liability risks. Drivers should be carefully screened prior to being authorized to drive company vehicles. Clean driving records and regular MVR checks should be required. All vehicles for monument and tombstone distributors must be in good condition and maintained with regular service records on file.

Property Insurance for Monument and Tombstones Distributors – If sandblasting operations are performed on the premises, dust accumulation will pose a potential for explosion. Any products and chemicals used for cleaning tombstones and monuments at distribution centers will increase the fire potential. Such products should be properly handled and stored. Any electrical equipment used on site should be maintained and regularly checked for faulty wiring and wear and tear. A licensed electrician should make repairs immediately and older equipment should be replaced as needed. Fire suppression devices should be used to reduce the damage potential of fire. Smoking should be prohibited inside the warehouse. Monuments that have been previously purchased for customization should be carefully secured in order to prevent breakage claims.

Crime Insurance for Monument and Tombstones Distributors – Monument and tombstone distribution centers should have security systems in place in order to prevent crime. Embezzlement of funds may be prevented by separating financial duties. All issued checks should require countersignatures. Employees who are authorized to make deposits and write checks should be required to take a one week vacation every year.