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These stores sell supplies for wall covering projects, including wallpapering and wall painting. Supplies for sale may include indoor, outdoor and automobile paints, wallpaper in a variety of colors and patterns, paintbrushes, paint rollers and wallpaper adhesives. Customers include construction contractors and the general public. Project consultation services are often available. Wall covering supplies may be sold in conjunction with flooring supplies and glass.

General Liability Insurance for Paint, Wallpaper & Wall Coverings Stores – Paint, wallpaper, and wall covering stores should always be clean and provide ample walk space for their customers. Merchandise should be arranged neatly and should be easy to reach by customers. Wet floors and paint spills should be cleaned up immediately to prevent customers from slipping and falling. Clearly marked exits are required. Work areas should be separated from visitor areas and should be appropriately signed “Employees Only”. An employee must accompany and supervise any visitor that enters the “Employees Only” area. It is necessary to keep parking areas and sidewalks in good repair and free of debris. Proper disposal of paint and related products is required in order to prevent environmental hazards. Warning labels regarding proper use and ventilation must be placed on all hazardous products in order to lower products liability. If lead based paint is sold, then products liability is increased significantly.

Workers’ Compensation Insurance for Paint, Wallpaper & Wall Coverings Stores – The products sold at paint, wallpaper and wall coverings stores often emit a strong odor. Employees may suffer from occupational diseases characterized by lung or breathing problems as a result. Paint is often sold in bulk and can be heavy. Employees of paint, wallpaper and wall coverings stores should be trained to properly handle and lift their stock. Training in the use of dollies and hand trucks should also be provided. Employees who have experienced prior back injuries should never attempt to lift anything over 20 lbs. unless they are cleared to do so by their doctor. Stores that offer delivery should also provide training on loading and unloading vehicles. Storage areas should be neat and clean at all times in order to prevent a fall hazard to employees.

Business Auto Insurance for Paint, Wallpaper & Wall Coverings Stores – Paint, Wallpaper and wall coverings stores often provide delivery services. Drivers should always have acceptable driving records in order to lower the risk of an accident. MVR checks should be performed often for all drivers. Inexperienced drivers under the age of 25 and a large delivery radius will result in higher business auto risks. Delivery vehicles should remain in working order at all times. Repair records should be kept on file.

Property Insurance for Paint, Wallpaper & Wall Coverings Stores – Fire hazards are extremely high in paint, wallpaper and wall coverings stores due to the flammable nature of the products sold. Paints, varnishes, aerosols and shellacs are all highly flammable products and should be properly labeled, handled and stored. Employees should be trained in the proper way to mix paint. A central station smoke alarms system should be in place as part of a security system. Fire extinguishers should be readily available and inspected annually.

Crime Insurance for Paint, Wallpaper & Wall Coverings Stores – Dishonest employees may steal merchandise or embezzle money from paint, wallpaper and wall coverings stores. Requiring reference checks, background checks, and detailed applications of all prospective employees can prevent embezzlement of funds by dishonest employees. Inventory should be counted often. Cash flow should be monitored and deposits should be made regularly. Employees authorized to reconcile bank statement should not be allowed to withdraw or deposit funds.