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Sewing machine repair shops are engaged in repairing and installing sewing machines and other sewing-related equipment. Shops may focus on the repair and installation of sewing machines in commercial businesses or residences. These businesses may also sell sewing machines, sewing machine parts or other related equipment. They may stand on their own or be located within larger stores that sell sewing machines.

General Liability Insurance for Sewing Machine Repair Shops – Customer injury on-site can be a concern, especially if the aisles are cluttered or other hazardous conditions exist. Customers should be restricted to a waiting area and work areas should be clearly marked for “Employees Only”. If workers repair sewing machines at clients’ homes or workplaces, there is a risk they could damage the customer’s property. In addition, shops could face a lawsuit if an improper repair job causes injury or damage to a customer or a customer’s property.

Workers’ Compensation Insurance for Sewing Machine Repair Shops – Possible injuries that workers could sustain include back injuries from heavy lifting and injuries occurring during the repair process, such as cuts and burns. Employees of sewing machine repair shops should be trained on the job to properly use the tools necessary for making repairs.

Business Auto Insurance for Sewing Machine Repair Shops – Automobile accidents can be a concern for sewing machine repair shops if they drive vehicles for work activities, such as pick-ups, deliveries and repairs at customers’ homes. If driving is involved, employees should have good driving records and vehicles should be in good condition. Business auto exposures will be decreased if the majority of customers bring their sewing machines to the business premises for repair.

Property Insurance for Sewing Machine Repair Shops – Since sewing machine repair workers may work with electrical wiring, fire is a concern in these repair shops. Approved fire extinguishers should be readily available throughout the premises and training should be conducted in their usage. Theft is also a possibility if valuable sewing machines are stored in the shop. Shops may be liable if customers’ sewing machines are damaged or lost during the repair process.

Crime Insurance for Sewing Machine Repair Shops – The primary crime concern at sewing machine repair shops is the employees, who could potentially steal from customers or their employer. If employees visit customer’s homes to repair sewing machines, there is a chance they could steal the customer’s property. Procedures should be in place to pre-screen prospective employees with reference checks and detailed applications in order to reduce employee dishonesty.