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These stores sell fixtures and supplies for eating and drinking establishment owners to use in their businesses. Products may include light fixtures, furniture, dishware, cookware, refrigerators, food warmers, linens and cleaning supplies. Equipment installation, repair and rental services are often available.

General Liability Insurance for Restaurant Fixtures & Supply Stores – Customers of a restaurant supply store may be at risk when attempting to access inventory or traverse through the store. To reduce the risk, all items should be stored appropriately on shelving units that are securely anchored in place. Heavy items should be kept toward the bottom to prevent collapse. Aisles should be wide and free of obstacles. Any cleaning supplies should be kept on higher shelves and out of the reach of children. Liability risks are elevated when foreign products are sold, installations are made and when equipment is rented.

Workers’ Compensation Insurance for Restaurant Fixtures & Supply Stores – Back strain is a concern when employees at a restaurant supply store have to lift and move heavy pieces of inventory. Proper lifting techniques should be taught to all employees, as well as ladder safety and basic first aid. Employees should be given gloves and other personal protection equipment when working with cleaning agents or other hazardous chemicals. Material Data Sheets should be on hand for all hazardous chemicals stored on premises.

Business Auto Insurance for Restaurant Fixtures & Supply Stores – The Business Auto risk increases for any restaurant supply store that offers delivery or on-site installation. Drivers should be trained in proper loading techniques and should have to have vehicles inspected regularly. All accidents should be thoroughly documented by the driver. All pertinent information should be recorded, including the names and contact information of potential witnesses.

Property Insurance for Restaurant Fixtures & Supply Stores – In the event of a fire, it is required that restaurant supply stores have an adequate amount of exits and that they are free of obstruction. Exit doors should not be locked and emergency exit lighting should be provided. Certain employees should be given responsibilities such as assisting customers in evacuation or in recovering computer backup tapes, etc. Employees should all be trained in the proper usage of fire extinguishers.

Crime Insurance for Restaurant Fixtures & Supply Stores – Outsiders can engage in theft from restaurant supply stores by making payment for purchases with invalid credit cards or checks. All employees should be trained to spot fraudulent credit card or check transactions. Additionally, signatures should always be verified with identification before allowing a sale to proceed. Employee theft can be deterred by adopting a strict policy of prosecuting any employee caught stealing. Separation of banking duties and regular inventory audits will also aid in the prevention of employee theft or embezzlement.