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Pottery stores sell ceramic ware such as bowls, mugs, plates and ornamental items that may be hand-crafted or mass-produced. Different ceramic materials may be offered, including earthenware, stoneware and porcelain. Some pottery stores sell unpainted ceramic ware for customers to paint at home; others have on-site facilities where customers can paint, glaze and fire the ceramic ware of their choice. Ceramic ware-making classes may be offered on-site.

General Liability Insurance for Pottery Stores – Falling pottery and unsecured shelving can be a risk in a pottery store. All heavy pottery should be stored on lower levels and all shelving units should be properly anchored to prevent tipping over. Aisles should be wide enough to safely pass through and any broken pottery should be cleaned up immediately. Work areas containing pottery wheels, glazing stations or a kiln should be separate from other customer areas and clearly marked. When appropriate, an “Employees Only” sign may need to mark these areas.

Workers’ Compensation Insurance for Pottery Stores – Employees of pottery stores face many of the same risks as customers. Falling pottery or shelving collapse is a risk. Employees should exercise caution when moving pottery and always utilize proper lifting techniques to avoid injury. Ladder safety should also be practiced when accessing inventory kept on higher shelves. All employees should know basic first aid and be able to administer it in the event of an injury at work.

Business Auto Insurance for Pottery Stores – If a pottery store has multiple locations or has to transport pottery to a different kiln location, the Business Auto risk increases. The risk also increases if employees are required to run banking or other errands during company hours. All drivers should be aware of acceptable driving practices and removed from the driving rotation should they fail to meet the requirements. Routine MVR checks should be performed, as well as Personal Auto insurance verifications.

Property Insurance for Pottery Stores – Pottery stores are at a risk for fire, especially if a kiln is kept on premises. The kiln should be maintained and checked regularly and a central smoke alarm system should be installed. All flammable liquids, such as glazes and cleaning products, should be kept away from the kiln and other ignition sources. Keeping small or valuable items in a location that is easily monitored by employees can reduce the risk of customer theft.

Crime Insurance for Pottery Stores – The crime exposures for a pottery store arise from credit card and check fraud, employee dishonesty and theft of money or securities by outsiders. Employees should be instructed to verify identification and signatures before accepting any credit card or check payment. Separating banking duties and conducting regular audits of both financials and inventory can deter employee theft. Common sense practices can help reduce the risk of burglary. Only small amounts cash should be kept on hand, bank deposits should be made daily and there should always be two employees present in the store.