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Equipment and supplies for track athletes and individuals who run or jog for pleasure are sold at these stores. Products include apparel, shoes, throwing equipment (discuses, shots, javelins), timing and measuring equipment, hurdles, starting blocks and general exercise equipment for training purposes. These businesses may sponsor track and field events and/or hold track and field camps and clinics. Equipment rental and/or repair services may be available.

General Liability Insurance for Running & Track Equipment Stores – General Liability risks for running and track equipment stores can come from customers trying out merchandise or tripping over equipment. Any equipment trials should be conducted in a separate area and under the supervision of a properly trained employee. Discuses, shots and javelins should not be thrown inside under any circumstances. Care should be taken to ensure that any camps or clinics are well staffed by trained employees. Shoes, starting blocks and other merchandise should be kept out of the aisles to prevent customer slips and falls.

Workers’ Compensation Insurance for Running & Track Equipment Stores – Employees of a running and track equipment store are at risk when moving inventory, assisting customers and walking around the store. When moving boxes or large pieces of equipment, proper lifting techniques should always be used. If an employee is assisting a customer, they should have proper training on the equipment and conduct the trial in a designated area to avoid injury. All employee walkways and work areas should be kept easily navigable and free of debris. Daily housekeeping measures will minimize the risk of slips and falls.

Business Auto Insurance for Running & Track Equipment Stores – When employees of running and track equipment stores use their own vehicles for company travel, their MVR’s should be checked and verified for acceptability and they should be required to carry a Personal Auto policy with minimum Auto Liability limits of at least $300,000 combined single limits. Driving should be restricted to business travel only and family members of employees should be strictly prohibited from operating company vehicles.

Property Insurance for Running & Track Equipment Stores – Fire is a Property risk for any retail business location – including a running and track equipment store. Stock rooms should be kept tidy to reduce the spread of fire. Cardboard boxes, paper and other combustible items should be removed regularly. Cleaning products and other flammable liquids should be stored in minimum amounts and kept away from other combustibles and ignition sources. Training employees to be watchful of suspicious customers can prevent shoplifting. Items of value should be kept in areas closely monitored by employees or outfitted with electronic tagging devices.

Crime Insurance for Running & Track Equipment Stores – Burglars target businesses that appear vulnerable upon first inspection. Ripe targets include businesses that are not well lit, have close cover or other visual obstructions and that have unprotected windows without proper locks. Running and track equipment stores can minimize their risk of robbery by keeping small amounts of cash on hand and instructing employees to alert police at the first sign of suspicious behavior. Delegating banking responsibilities and conducting regular financial audits can minimize employee theft risk.