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In these stores, customers can purchase picture frames of all sizes, matting supplies, posters, artwork, wall hanging hardware and related items. Customers may use the frame or mount pictures on their own, or they may have pictures custom-framed in the store. Frame types can range from small plastic photo frames to large wall frames and those designed for oil paintings. Framed mirrors may also be sold.

General Liability Insurance for Picture Frame & Framing Stores – All frames, pictures and mirrors in a picture frame and framing store should be securely fastened to the wall to avoid falling and related customer injury. All customer areas should be kept neat, clean and free of clutter. Customers should be required to ask for employee assistance before attempting to take down or re-hang any frame. The breakage of glass and cuts from the use of scissors, knives and razors may be risk factors. Exits should be clearly marked and kept free of obstruction.

Workers’ Compensation Insurance for Picture Frame & Framing Stores – Most work related injuries at a picture frame store will likely result from the hanging or taking down of merchandise. Employees should be trained in the proper use of a ladder – if they are required to hang or access merchandise above their reach. Proper use of other tools, such as hammers, screwdrivers, scissors, knives and razors should also be taught. When lifting large or heavy items, employees should always use proper lifting techniques to avoid back strain or injury.

Business Auto Insurance for Picture Frame & Framing Stores – Some picture frame stores may offer delivery of merchandise, thus increasing their Business Auto risk. Any employee allowed to operate a vehicle for company business should have a clean driving record and a minimum amount of Personal Auto Liability insurance. The use of company vehicles should be limited to business purposes only and an acceptable set of driving standards should be in place.

Property Insurance for Picture Frame & Framing Stores – Because of the nature of their inventory, picture frame stores are at an increased risk of fire. The large amounts of wood, coupled with the presence of adhesives, cleaning products and polishes can be potentially devastating. Proper precautions should be taken to ensure that all combustible items are stored properly and away from ignition sources. A central smoke alarm system should be installed and monitored regularly. Additionally, trash and excess cardboard should be removed daily to further reduce the risk of fire.

Crime Insurance for Picture Frame & Framing Stores – Picture frame and framing stores should publish a written policy of prosecuting any employee who is caught engaging in theft. Each employee should be required to sign the statement. A policy of aggressive prosecution is often enough to deter employees from stealing. Following several procedures can reduce the threat of robbery or burglary. Large amounts of incoming cash should immediately be transferred to a safe, a central alarm system should be in place, frequent bank drops should be made and limited amounts of cash should be kept on hand.