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Sewing machines can be purchased at these stores along with sewing supplies such as fabric, thread, needles and patterns. Other needlework craft supplies, such as yarns, crochet hooks and knitting needles, may be sold along with sewing machines and supplies. Sewing machines may be new or used, and parts may be sold as well. Repair services may be offered. Stores may also hold sewing classes for customers.

General Liability for Sewing Machine Stores – Customers of a sewing machine stores could injure themselves while using sewing equipment on the premises. Employees should assist any customer wishing to try a product and advise customers to be cautious around sewing needles and other hazards. Store fixtures should be secure to avoid tip over. They should be free of any sharp edges and other defects that could result in injury. Sewing needles, crochet hooks and other items that may cause injury should be displayed safely and kept out of the reach of children.

Workers’ Compensation Insurance for Sewing Machine Stores – In sewing machine stores, employees are often required to move inventory. Proper lifting techniques should always be used to prevent hernias, back strain or other injuries. All employees operating sewing machines or assisting customers with them should be properly trained in their use and aware of the potential hazards. Employee areas should be kept free of clutter to prevent slips and falls.

Business Auto Insurance for Sewing Machine Stores – Employee used vehicles can result in vicarious liability to sewing machine stores. If employees are required to use their own vehicles to perform company business, they should have undergone a MVR check and be required to carry a certain amount of Personal Auto liability insurance.

Property Insurance for Sewing Machine Stores – Sewing machine stores face the risk of fire from internal sources and from neighboring businesses. A one-hour firewall extending through the roof should be used whenever one building is attached to another. Inside the store, the risk of fire can be reduced by removing all trash, cardboard and other combustible items daily. Care should be taken to ensure that electrical outlets are not overloaded and unplugged when not in use. Flammable liquids should be stored in approved containers and away from other combustible items and ignition sources. Shoplifting can be minimized by a number of controls. Most valuable items in a sewing machine store are too large to easily steal. Smaller items that could easily be placed in a purse or pocket should be kept in an area that is easily monitored by employees.

Crime Insurance for Sewing Machine Stores – Every retail business, including sewing machine stores, should have a central station burglar alarm system installed. The alarm should be tested periodically by the business and conspicuous signage should be posted providing notification that the premise is protected by an alarm system. Often times, the signage itself can be a major deterrent. Employee theft of inventory or monies is also a concern. Frequent inventory and financial audits can help to minimize the risk. Pre employment background screening and reference checks is also helpful.