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These stores sell pre-recorded music by a variety of artists on records, compact discs and cassettes. Some music stores sell new compact discs exclusively, but others specialize in used compact discs or pre-owned, older records and cassettes. They may be part of large chain or independently owned. Most carry a wide variety of music genres and artists, but some specialize in one particular genre. Sheet music may be sold as well.

General Liability Insurance for Music Stores – Store fixtures and displays in a music store should be secure to avoid tip over. They should also be free of any sharp edges or other defects that may result in customer injury. Merchandise should be easily accessible to prevent customer falls. Exits should be visible and clearly marked and emergency lighting should be available during power outages.

Workers’ Compensation Insurance for Music Stores – All music store employees should be aware of company policy regarding safety procedures. All employees should be trained in methods of proper lifting to avoid injury when relocating inventory throughout the store. If a ladder is required to access stock on a higher shelf, two employees should undertake the task. The manufacturers instructions should be heeded when using the ladder and it should be properly stowed when the task is complete.

Business Auto Insurance for Music Stores – Employee used vehicles can result in increased liability for a music store. Drivers under the age of 21 may be a potential risk; therefore, conducting proper MVR checks on all music store drivers and requiring that all drivers carry a sufficient amount of Personal Auto liability coverage can reduce risk. Criteria should be in place to revoke driving privileges should an employee fail to meet the minimum eligibility requirements.

Property Insurance for Music Stores – Contents of music stores, such as CDs and electronic equipment are highly sensitive to damage from smoke, heat and water. Even a small fire can result in a total loss of these contents. Dry extinguishing systems can be considered to prevent water damage in the event of a fire. Shopping lifting is of great concern in a music store, due to the small, concealable size of most inventory. An electronic tagging system with door alarms is common practice for most music stores. Employees should also be trained in identifying possible shoplifters and the proper steps once they have caught one in the act.

Crime Insurance for Music Stores – Music stores have to worry about employee theft of both money and inventory. Security cameras and regular inventory counts can reduce the risk of employee theft. Small amounts of cash should be kept on hand and banking responsibilities should be divided among employees – with no single employee being responsible for payment and reconciliation functions.