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These businesses primarily sell products made of paper. Often included are printer and notebook paper, card stock, stationary sets, greeting cards, invitations and envelopes. These items are usually sold to professionals such as wedding coordinators, graphic designers and card makers as well as the general public. Also, the sale of non-paper gifts and office supplies may be included. Custom-made invitations, business cards, stationary and envelopes are often available.

General Liability Insurance for Paper & Paper Products Stores – Store fixtures and display units in paper and paper products stores should be secure to prevent tip over. Heavy items should be kept on lower shelves and dangerous products kept up high and out of the reach of children. Floors and walkways should be kept free of debris and obstructions. If spills occur, they should be cleaned up immediately and indicated with proper signage to prevent customer slips.

Workers’ Compensation Insurance for Paper & Paper Products Stores – Dollies and hand trucks should always be used when moving extremely heavy boxes or supplies. To move smaller items, all employees of paper and paper products stores should be properly trained in lifting techniques that will reduce the risk of back injury or strain. If ladders are necessary to access inventory on higher shelves, two employees should be present and observe ladder safety protocol. All ladders should be kept in good working order and stored properly when not in use.

Business Auto Insurance for Paper & Paper Products Stores – Business travel for a paper or paper products store may result from employees taking daily trips to the post office or bank or to pick up other supplies. If employees are required to use their own vehicles, steps should be taken to ensure the employee has a clean driving record and that the vehicle is in proper working order. If company vehicles are being used, employees should be made aware of all business policies and acceptable driving practices.

Property Insurance for Paper & Paper Products Stores – Paper and paper product stores are at an increased risk of fire due to the combustible nature of paper products and supplies. Ignition sources should be controlled and a no smoking policy strictly enforced. Flammable liquids should be stored in minimal amount and in appropriate containers. Any trash or additional packing materials should be removed daily to further reduce the risk of fire. Employing traditional security methods such as cameras and watchful personnel can monitor customer theft.

Crime Insurance for Paper & Paper Products Stores – Pre-employment screening should include mandatory background and reference checks. Drug screenings are another method of weeding out paper and paper products store employees that may pose a risk of theft or embezzlement. To minimize the risk of money theft from employees or outsiders, only keep a small amount of cash on hand. All checks should be deposited daily and stamped “for deposit only”.