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 businesses are premium coupon redemption centers for customers who use catalogs to purchase a variety of items.

General Liability Insurance for Premium Coupon Redemption Stores – The premises liability risks of coupon redemption stores are similar to those of other retail locations. All displays should be sturdy and walkways free of clutter. All public restrooms should be kept clean and all spills cleaned up immediately. Product liability risk will vary depending on the nature of the items being purchased. Risks will increase if products are purchased from a foreign manufacturer or distributor.

Workers’ Compensation Insurance for Premium Coupon Redemption Stores – All coupon redemption store employee training should include normal and emergency response, 911 notification, adequate first aid, transfer to treatment facility for minor injuries and proper incident documentation. The major risk factors are back injuries from lifting and slips/trips/falls.

Business Auto Insurance for Premium Coupon Redemption Stores – Most Business Auto risk for coupon redemption stores will be associated with employees running banking or other errands. All employees driving their own vehicles for business purposes should be required to carry a minimum amount of Personal Auto insurance. MVR checks should be completed regularly and driving strictly limited to business needs only.

Property Insurance for Premium Coupon Redemption Stores – Fire is a major risk for coupon redemption stores. Stock rooms should be orderly with adequate aisle space to reduce the spread of fire. Combustible packing materials should be stored separate from flammable liquids. Storage areas should have a sprinkler system or be separated from other areas by a firewall. Shoplifting risks can be controlled by customer monitoring and surveillance, hidden cameras, and controlled monitoring of exits.

Crime Insurance for Premium Coupon Redemption Stores – Regular inventory audits can reduce the risk of employee theft at coupon redemption stores. Burglary risk can be reduced by using deadbolt locks, adequate outdoor lighting and a central alarm system.