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These stores primarily sell furniture, equipment and supplies for offices, including office desks and chairs, computers, printers, file cabinets, phones, fax machines, paper and writing utensils. Stationary and school supplies may also be offered. If large office equipment such as photo copy machines are available, repair and rental services are usually offered. These stores furnish and equip large offices as well as home offices. On-site copying, faxing and printing facilities are often present.

General Liability Insurance for Office Equipment & Supply Stores – Office equipment and supply stores must be neat and clean with no protruding merchandise or objects. Floors should be free of any fall hazards, such as electrical and phone wires, and aisles should provide adequate walking space. Merchandise must be stacked away from the edges with any heavier items stored on bottom shelves or on the floor. The traffic areas outside the building should remain in good repair as well. Importing of goods from other countries will increase the risk of products liability.

Workers’ Compensation Insurance for Office Equipment & Supply Stores – Employees of office equipment and supply stores should be trained to handle stock and lift heavy items properly. Hand trucks and dollies should be used when lifting or moving heavy boxes of paper, for example. Ladders and stepstools are often used to reach items on higher shelves at office and supply stores. Employees should be trained to safely use ladders and stepstools. Training should also be provided for the use of the office equipment. Stores that offer repairs of office equipment will be at higher risk of employee injury. Stock rooms should be neat and tidy in order to prevent falls.

Business Auto Insurance for Office Equipment & Supply Stores – Office equipment and supply stores that offer delivery and pickup services will have increased risks for auto accidents. Youthful operators under age 25 and heavy traffic conditions will contribute to the business auto risks. Acceptable driving records are required of all drivers in addition to frequently checked MVRs. Delivery vehicles should be regularly maintained and working order at all times. Service records should be available.

Property Insurance for Office Equipment & Supply Stores – Fire and theft are risks at office equipment and supply stores. Paper products will likely be destroyed in the event of a fire. Office equipment and furniture are also likely to be damaged as a result of a fire. Trash should be removed on a daily basis to help reduce the fire load. Fire suppression systems should be used in order to reduce damage by fire. Fire extinguishers should also be placed at key points throughout the store and training should be provided in their usage. The risk of theft is greater when stores carry a lot of electronic office equipment. Merchandise should be monitored closely and security systems should be in place.

Crime Insurance for Office Equipment & Supply Stores – Money and securities may be stolen by employees or burglars. Inventory counts should be performed routinely at office equipment and supply stores in order to prevent employee theft. Employees who verify and reconcile bank statements should not be authorized to withdraw or deposit funds. Employees who have the authority to withdraw and deposit funds should be required to take a one-week vacation every year, at minimum. Security systems such as should help prevent burglary.