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These stores specialize in the retail sale of shoes, plus related items such as hosiery, belts, gloves, shoe laces and handbags. Stores may sell one type of shoe, such as athletic shoes or dress shoes, or sell a variety of shoes. They may cater to women, men, children, infants or all of the above. Employees typically provide fitting services for customers, except in discount shoe stores, where some or all of the inventory is placed on shelving units for cutomers to try on themselves. Shoe repair services may be provided.

General Liability Insurance for Shoe Stores – Shoe stores should help prevent injury to customers by providing adequate walk space and clutter free stores. Floors should be swept and/or vacuumed daily as part of a good housekeeping routine. Shoes and other merchandise should be displayed within customers’ reach and exits should be clearly noticeable. Areas outside the store should be well kept and should not provide any hazard for tripping and falling. Stairs should be constructed to code and have sturdy handrails and skid resistant surfaces. Products liability risks are increased if stores offer shoe repairs. Any stores that import merchandise from foreign countries will also be at risk of products liability claims.

Workers’ Compensation Insurance for Shoe Stores – Shoe stores offering shoe repair services should train their employees to properly use any and all repair equipment. Employees may be injured when using cutting tools and/or sewing machines during repair work. Proper lifting techniques should also be taught in order to prevent back injury. Storage and repair areas should remain tidy at all times in order to prevent employees from falling. Other possible injuries to shoe store employees include shelving collapse and falls from the use of stools and stepladders.

Business Auto Insurance for Shoe Stores – Shoe stores should have minimal business auto risks unless employees occasionally drive for running errands. Employees who use their own vehicles for business travel should have their MVRs 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.

Property Insurance for Shoe Stores – Shoe stores are at risk of fire damage, but the risk is fairly low. Flammable products such as shoe polishes and lacquers are usually sold and can increase the severity of a fire loss. The age and construction type of the building are primary risk factors for fire at shoe stores. Buildings over 20 years of age should have wiring and electrical systems updated.

Crime Insurance for Shoe Stores – Shoe store employees who embezzle money will increase the risk of crime insurance claims. Daily bank deposits should be made and cash registers should be monitored. Employees who withdraw and deposit funds should not be authorized to reconcile bank statements. Inventory should be counted often in order to prevent employee theft. Alarms and security systems should help reduce the risk of burglary. Shoe stores should also be equipped with the latest technology for identifying fraudulent checks and credit cards in order to prevent theft. Store employees should be trained how to use such equipment.