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A variety of toys and games for children can be purchased in toy stores. Toy stores vary in size from large chains that carry many modern toys to small, independently-owned shops. Large toy stores are usually divided into sections for boys and girls. Specific items may include dolls, action figures, train sets, stuffed animals, building sets, sporting goods and musical instruments for children. Small toy stores usually specialize in a certain type of toy, such as old-fashioned or hand-made toys, in order to compete successfully against larger stores.

General Liability Insurance for Toy Stores – Stores that sell sporting goods or toys that can be ridden should provide additional supervision. Toys should be displayed to be accessible to customers without posing a hazard. Toys and other merchandise should be carefully stacked away from the edges with any heavier items stored on bottom shelves or on the floor. The shelving must be structurally sufficient with proper anchoring systems or wall fastenings. Marketing techniques and appealing products that are used to draw customers into the store should be carefully displayed so they are not a danger to customers. Aisles in toys stores should be open and free of clutter and fall hazards. Floors should be in good repair and walking areas outside the store should be in good condition as well. If the store offers assembly services, then products liability risks are increased. Importing toys from foreign countries will also increase the risk of products liability.

Workers’ Compensation Insurance for Toy Stores – Toy store employees could be injured when distributing stock, setting up displays, or lifting heavy objects. Proper training programs should be in place to teach safety and lifting techniques. Rolling ladders may be needed when reaching items on high shelves. Toy store employees should be trained to safely use the ladders and lock them into place while in use. If assembly services are provided, then risks will be even higher. On the job training should be provided to train toy store employees how to correctly assemble their products.

Business Auto Insurance for Toy Stores – Toy stores should have an overall low exposure for business auto accidents. However, if employees drive to run errands to places like the bank, post office, and/or supply stores, then auto risks will be increased. Requiring sufficient Personal Auto Liability limits to be maintained and verified at each policy expiration can control risks.

Property Insurance for Toy Stores – Fire may be a concern at toy stores and suppression systems should be used as a result. Toys are not usually made of very flammable materials; but smoke, heat and water damage is likely to occur in the event of a fire. Buildings that are constructed of fire restive and non-combustible materials will have a lower risk of fire. Buildings over 20 years old should be updated with new wiring and electrical systems in order to further reduce fire risks. The sale of expensive toys could increase the risk of theft. Toy stores should be well secured with cameras, alarms, and security systems.

Crime Insurance for Toy Stores – Money and stock may be stolen by dishonest employees. Customary inventory counts should be implemented to help reduce the risk of employee theft. Earnings should be deposited daily and cash drawers should be audited regularly. All issued checks should require a countersignature and employee duties should be divided. Toy stores should have sufficient outside lighting, a central station alarm system, and double cylinder deadbolt locks on exterior doors to help prevent theft by burglary.