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Owners of restaurants, hotels, bars and stores purchase fixtures and supplies for their businesses from these distributors. They offer light fixtures, furniture, cookware, shelves, appliances, cleaning supplies and many other items intended for commercial use. Distributors may offer supplies for one type of business, such as restaurants and bars, or distribute a generic line of supplies.

General Liability Insurance for Restaurant/Store Fixture & Supply Distributors – Visitors are usually restricted to waiting areas and offices at restaurant/store fixture and supply distribution centers. Distribution centers that allow customers on site will have increased risks of premises liability. Snow and ice should be removed from sidewalks, parking lots, and all outdoor access areas. Loading and unloading docks should be in good repair and safe at all times in order to prevent injury to customers and delivery drivers of transport companies. Signs should be used to direct customer only traffic and restrict their access to employee only areas. Any fixtures or supplies imported directly from foreign countries will result in higher risks of products liability.

Workers’ Compensation Insurance for Restaurant/Store Fixture & Supply Distributors – Lifting heavy equipment can result in back injury if proper techniques are not used at restaurant/store fixture and supply distribution centers. Post employment physicals should be required to determine if any limitations exist for lifting. The use of lifting machinery could also result in employee injury if thorough training is not enforced. Distribution centers should be clean and organized in order to prevent slip and fall injuries to employees. Shipping and receiving areas should be maintained and safe at all times.

Business Auto Insurance for Restaurant/Store Fixture & Supply Distributors – Delivery drivers should undergo thorough training prior to operating and driving delivery trucks. They should be trained to properly load and secure the fixtures, equipment and supplies in order to prevent road hazards. Distributors that employ outside salesmen are also at risk of auto claims. All drivers should be pre-screened, have good driving records, and have their MVRs checked each year. Vehicles should work properly and be serviced often. Documentation of repairs should be kept on file.

Property Insurance for Restaurant/Store Fixture & Supply Distributors – Cleaning supplies that are stored are combustible due to the chemicals they contain. Cleaning supplies should be handled properly and stored away from flammable materials. The age and construction of the building are also primary risk factors for fire. If the building is constructed with firewalls, then the risk of a total loss is decreased. Fire suppression systems should also be in place. Theft may be a concern depending on the type of fixtures and equipment sold. Security systems and alarms should be used as a result in restaurant/store fixture and supply distribution centers. Damage may occur to fixtures and supplies while they are being transported. Inland Marine risks are therefore increased.

Crime Insurance for Restaurant/Store Fixture & Supply Distributors – Accounting duties should be separated among employees in order to prevent embezzlement of funds. Employees who issue checks and deposit funds should be required to take a one-week vacation every year. Employee theft of inventory may be prevented through the use of surveillance cameras and routine inventory counts at restaurant/store fixture and supply distribution centers.