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These distributors offer wall covering materials and supplies to retailers, including wallpaper, wall border paper, adhesives, paint and painting tools and supplies. Products may be distributed along with other home products, such as window coverings and home décor. They may specialize in one type of wall covering, such as paint or wallpaper. Products may also be distributed to businesses that install interior decorations and paint the insides of buildings.

General Liability Insurance for Paint, Wallpaper & Wall Coverings Distributors – The outdoor premises of paint, wallpaper, and wall covering distribution centers should be in good condition with snow and ice removed from sidewalks, parking lots, and all outdoor accessible areas as needed. Signage should clearly define the areas that are for employee use only. Customers should only be allowed in restricted areas if they are escorted by an employee and wearing appropriate protective equipment. Loading and unloading areas should be maintained and in good repair. All paint, wallpaper and wall covering materials should be labeled with proper usage and warning labels in order to reduce products liability risks.

Workers’ Compensation Insurance for Paint, Wallpaper & Wall Coverings Distributors – A written safety program should be in place at paint, wallpaper, and wall covering distribution centers that should be communicated to all employees with training and management oversight. Employees may be injured when lifting devices, such as forklifts, are used. Forklift operators should be thoroughly trained to properly use and inspect the equipment. Lifting injuries may occur when employees manually lift and handle heavy materials. If any products are spilled that contain hazardous chemicals, employees may be injured. Training on safety and lifting techniques should be provided. 

Business Auto Insurance for Paint, Wallpaper & Wall Coverings Distributors – The largest auto liability risk for paint, wallpaper and wall coverings distribution centers results from the delivery trucks. The gross vehicle weight is greatly increased when delivery trucks are loaded with paint. As a result, damage is likely to be more severe in the event of an accident. Delivery drivers should be trained to properly load and operate the vehicles. All drivers should maintain acceptable driving records and have their MVRs checked every year. A vehicle maintenance program should be in place and vehicles should work properly at all times. Company vehicles should also be stored in a safe area when not in use. Non-owned vehicles used by salesmen and other employees to run errands also create an auto liability risk.

Property Insurance for Paint, Wallpaper & Wall Coverings Distributors – Smoke detectors and fire suppression systems should be used in paint, wallpaper, and wall covering distribution centers. Approved fire extinguishers should be placed throughout the building and employees should be trained in their usage. Hazardous chemicals that are used in paints, lacquers, and varnishes are extremely flammable. Therefore, fire and explosion risks are high. Training should be enforced to ensure proper handling and storage of these products. A “no smoking” policy should be enforced in order to reduce the risk of fire. Packaging materials will increase the fire load and should be stored away from explosive sources. Distribution centers should be constructed with firewalls in order to reduce the likelihood of a total loss.

Crime Insurance for Paint, Wallpaper & Wall Coverings Distributors – Crime risks are generally low at paint, wallpaper and wall covering distribution centers. However, a countersignature should be required on all issued checks. Spontaneous and scheduled inventory counts should also be performed often in order to prevent employee theft.