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Newspaper stands are outdoor, freestanding kiosks that are often located on street corners and sell a variety of current magazines, newspapers and other periodicals. They are generally operated by one person at a time. Candies, gum and other small snacks are usually offered as well. Periodicals may be purchased on-site only; delivery and mail-order services are not available.

General Liability Insurance for Newspaper Stands – Most newspaper stands are freestanding kiosks operated from street corners. Care should be taken to ensure there are no sharp objects protruding from the kiosk that could cause customer injury. Wheels should be secured to prevent movement and the station should be placed well out of the way of traffic and other hazards.

Workers’ Compensation Insurance for Newspaper Stands – Most worker injury at a newspaper stands will likely result from moving either the cart itself or the inventory. Employees should be trained to properly move and navigate the stand, as well shown proper techniques for lifting boxes and inventory.

Business Auto Insurance for Newspaper Stands – If employees are using company vehicles or personal vehicles to transport the newspaper stand or inventory, Business Auto risks increase significantly. A driver safety program should be in place for all newspaper stands and a minimum set of acceptable driving standards established. All accidents should be thoroughly documented by the driver following the written procedures that should be stored in the interior of the vehicle.

Property Insurance for Newspaper Stands – Fire is a risk for newspaper stands due to the large amount of flammable paper and the presence of outside risk factors like cigarette butts. A fire extinguisher should be outfitted to each stand and “No Smoking” signs clearly indicated. Customer theft is a concern – not because of the value of the inventory, but the ease of walking away with it. If possible, two employees should be working during peak business hours.

Crime Insurance for Newspaper Stands – Because many newspaper stands do not accept payment other than cash, they are a potential target for robbery. Cash should be kept in a safe location and removed several times daily if possible. Since most robbers would have to exit on foot or in a nearby vehicle, it is important for employees to be trained in identification techniques. Picking up cash regularly and having a system in place for reconciling cash taken in with inventory sold can deter employee theft.