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These stores sell a variety of musical instruments such as string instruments, wind instruments, pianos, organs and percussion instruments. They may specialize in a certain type of instrument, such as drum kits. Other items such as music books, blank sheet music, instrument cases and recorded music may be sold. Additional services may include music lessons, instrument tuning, organization of musical performances and custom-designed instruments.

General Liability Insurance for Musical Instruments Stores – When music lessons are taught on site, premises liability risks are elevated. Classroom areas must be safe and provide sufficient space for instruments, students and teachers. If lessons are taught to young children at musical instruments stores, then additional supervision may be required. Thorough background checks should be completed for anyone hired to teach children. Musical instrument stores must not pose any hazard for customers to trip and fall or be injured by toppling merchandise or displays. If the store manufactures its own instruments or offers repair work, then products liability risks are greater. Areas where work is being performed should be separated from visitor areas and designated by conspicuous “Employees Only” signage.

Workers’ Compensation Insurance for Musical Instruments Stores – Musical instrument stores that make or repair instruments will have a higher risk of employee injury as a result of the tools, machines and chemicals used. Chemical injuries may occur to the lungs, eyes or skin. Musical instrument stores that offer delivery services will also have increased risks of employee injury. Lifting heavy objects and loading and unloading vehicles will contribute to the risk. Some instruments, such as pianos, are very difficult to move based on their large size and heavy weight. Conveyance equipment will be needed and employees should be trained on lifting techniques and the proper ways to handle such instruments. Employees with prior back injuries or related injuries should never attempt to lift anything over 20 lbs. unless they are cleared to do so by their doctor. Employees of musical instrument stores should work together to lift and move heavy items.

Business Auto Insurance for Musical Instruments Stores – If musical instruments stores offer delivery services, automobile accidents are more likely to occur. Drivers should be well trained to load and unload the vehicles in order to prevent hazards on the road. Loading and unloading can also cause damage to clients’ premises and contents. Large instruments like organs and pianos should be well secured when being transported. Regular MVR checks should be run for all drivers. Employees must maintain good driving records and vehicles should be properly working at all times. Documentation of regular maintenance should be kept on file for all delivery vehicles. Musical instruments stores that offer delivery services to a large radius will have higher risks of automobile accidents. Deliveries made during heavy city traffic conditions and/or over unfamiliar roads will result in increased business auto risks as well.

Property Insurance for Musical Instruments Stores – Musical instruments are likely to be stolen because they are both popular and expensive. The store should be well secured with alarms and security systems in place to help prevent theft. Musical instruments are easily damaged when exposed to water, heat, and smoke. A fire could therefore result in a total loss. The risk of fire is greater when repairs and manufacturing are done on the premises because flammable products are used for cleaning, staining, and polishing the instruments. Such products should be properly used and stored. If the building is constructed of fire restive and masonry non-combustible materials, the risk of fire will be lower. If the musical instruments store is connected to other businesses like in a strip mall, then a one-hour firewall should be in place to reduce the fire potential.

Crime Insurance for Musical Instruments Stores – Employees may be tempted to steal instruments from the store due to their popularity and value. Inventory should be counted on a regular basis at a musical instruments store to help prevent employee theft. Employees and/or outside burglars may steal money from the store as well. Closely monitoring cash flow, depositing funds daily, and dividing duties among employees should reduce the risk of employee dishonesty. Theft can be reduced using the latest technology to identify fraudulent and invalid checks and credit cards.