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These stores sell wire and wireless communication devices, such as cell phones, land line phones and pagers, without providing phone services or installation. Resale of telecommunications services provided by third parties may be offered. Accessories such as cell phone covers, cases, chargers and headsets may be sold.

General Liability Insurance for Telephone & Pager Stores – Customers of telephone and pager stores are at risk of falls and display shelving collapse. All customer areas should be tidy and free of walking hazards. Display units should be securely anchored to the wall and merchandise should be pushed back on shelves or hooks. Product liability will increase if stores offer repair or sell items such as chargers that are manufactured in a foreign country.

Workers’ Compensation Insurance for Telephone & Pager Stores – Employees at a telephone and pager store face injury risks from working with equipment and handling merchandise. Any employee working on a phone or other electronic device should have proper training to reduce the risk of electrocution or other injury. If inventory needs to be moved, employees should always utilize proper lifting techniques to avoid back injury or strain. Stock rooms should be kept clean and walkways free of debris to prevent employee trips/slips/falls.

Business Auto Insurance for Telephone & Pager Stores – The need for business travel at a telephone and pager store should be minimal. Employee travel would likely be limited to daily errands to the bank, post office or supply store. Any employee traveling for company business should be in possession of a valid drivers license, clean driving record and at least $300,000 Personal Auto insurance coverage.

Property Insurance for Telephone & Pager Stores – While most devices sold in a telephone and pager store are not highly flammable, they are susceptible to smoke, heat and water damage should a fire break out. Precautions should be taken to reduce the risk of fire as much as possible. Trash and packing materials should be removed daily and any cleaning supplies stored in an appropriate area. If the building is connected to another business, a one-hour firewall should be in use. Because of the value and small size of many items being sold, shoplifting is a concern. Electronic tagging is one option, but may prove too costly for smaller stores. In that case, items of extreme value should be kept in a display case that requires a customer to ask for assistance before accessing. Security cameras should be in use and employees should be trained to adequately monitor the store and recognize suspicious activity.

Crime Insurance for Telephone & Pager Stores – Employee theft is a concern in a telephone and pager store due to the value, small size and street popularity of much of the inventory. Security cameras, frequent inventory audits and two employees on duty at all times are some steps necessary to reduce the risk of employee theft. Following similar precautions can prevent burglary. A central alarm system should be installed and merchandise should be kept away from windows when the store is closed.