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Party hats, banners, confetti, balloons, paper tableware, party favors, pinatas, invitations, cake decorations and other items commonly used for parties can be found at party goods stores. Selections may be vast or limited. Stores with wider selections may also carry holiday and seasonal decorations, costumes and a large number of themed party goods.

General Liability Insurance for Party Goods Stores – Party goods stores carry a wide variety of small items that can potentially become choking hazards for children. All small inventory and items such as latex balloons should be kept out of the reach of children. Aisles and walkways should be kept free of debris and all shelving displays should be anchored securely in place. Employees should be available to assist customers in reaching items that are not easily accessible. Employees should also assist in loading heavy or awkward items into customer’s vehicles.

Worker’s Compensation Insurance for Party Goods Stores – The training of all party goods store employees (both new hires and periodic refreshers for all employees) should be focused on compliance with OSHA safety standards. Of particular concern are electrical safety, hazard communication, falls, proper lifting technique and the proper procedure for reporting any on the job injury.

Business Auto Insurance for Party Goods Stores – In order for party goods store employees to be allowed to operate company owned vehicles, they should undergo a thorough MVR check. Additionally, driver training, restriction of use agreements and an upholding of acceptable driving standards should be required.

Property Insurance for Party Goods Stores – The most common ignition sources in a party goods store comes from faulty wiring, overloaded circuits and smoking. Paper products, decorations and other items in inventory increase the risk of fire. All products should be properly stored and away from ignition sources. Combustible cleaning supplies and other liquids should be kept in approved containers in a separate area from flammable inventory.

Crime Insurance for Party Goods Stores – Pre employment screening of all party goods store employees will help reduce the risk of employee theft or embezzlement. Delegating banking responsibilities to multiple employees can further reduce the risk. It is especially important to separate payment and reconciliation functions. Following common sense practices can reduce the risk of robbery. Two employees should always open and close the store. Employees who witness suspicious activity should notify law enforcement immediately and take precautions to secure the store.