Small Business Insurance That is Competitively Priced and That Provides the Gold Standard in Protection in 3 Fast and Easy Steps

• Get instant online Quick Quote premium indication in about 3 minutes.
• Request phone call from experienced insurance agent to finalize your formal proposal.
• Accept proposal and your coverage confirmation may be emailed in minutes.

These musical instrument stores predominantly sell new and/or used pianos, organs, keyboards and related accessories. Piano stools, music books, blank sheet music and audio CDs may be offered. Stores may offer piano lessons and organize recitals. Piano tuning, rental and repair services may be available.

General Liability Insurance for Piano & Organ Stores – Some General Liability risks for piano and organ stores are associated with customers using and navigation around the inventory. Piano lids can fall and be potentially dangerous if they are not secured properly. Aisles should be wide enough for customers to walk safely through and all sharp corners or edges should be removed or covered. Display shelves should be sturdy and secure to prevent tip over and related customer injury. Damage to customer walls and contents may occur while making deliveries.

Workers’ Compensation Insurance for Piano & organ Stores – Most Workers’ Compensation risks associated with piano and organ stores come from lifting and moving inventory. Because of the extreme weight of most pianos and organs, workers should receive extensive training in proper lifting techniques. Dollies and hand trucks should be used to assist in moving pianos. Injuries can also occur during the repair or maintenance of pianos. Employees should be able to perform basic first aid in the event of a minor injury.

Business Auto Insurance for Piano & Organ Stores – Some piano and organ stores offer delivery of merchandise or on-site maintenance and repair. Instruction should be provided on how to properly secure heavy loads in vehicles. If employees are required to travel on company business, they should have undergone a thorough MVR check. A set of acceptable driving standards should be in place and any driver who fails to comply should be immediately removed from the driving roster.

Property Insurance for Piano & Organ Stores – The risk of customer theft in piano and organ stores will likely affect small, concealable items such as audio CDs. Mort other inventory is too large to easily remove from the store. CDs and other small merchandise should be kept near the cash register or in a location that is easily monitored by employees. Fire is a concern and a central station smoke alarm system should be installed.

Crime Insurance for Piano & Organ Stores – Crime exposure for a piano and organ store arises from credit card and check fraud. Employees should be properly trained to spot fraudulent transactions, and always verify signatures with identification. To prevent employee embezzlement, all incoming checks should be immediately stamped “for deposit only”. Another effective practice is to require internal audits to be conducted on a frequent and irregular basis. Tight inventory controls should also be in place.