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Basic and/or speciality T-shirts for men, women and children can be found in T-shirt stores. Some may sell a variety of T-shirts, while others may carry T-shirts that portray a particular theme, such as humor, political statements or the name of a tourist destination. Others may allow customers to bring in their own pictures and designs and have them printed on blank T-shirts. Gifts and souvenirs may be sold as well.

General Liability Insurance for T-Shirt Stores – Merchandise in a t-shirt store should be easily reachable to prevent customer falls. Products should not hang over shelf edges and employees should be available to assist customers in reaching items that are not easily accessible. If t-shirt printing is being done on premises, the printing equipment and irons should be kept in a designated area marked “employees only” to prevent customers from burning or injuring themselves. All aisles should be easily navigable and floors should be swept or vacuumed daily.

Worker’s Compensation Insurance for T-Shirt Stores – All employees of a t-shirt store should be taught proper lifting techniques to reduce the risk of back injury. If printing is being done on premises, employees should be properly trained before being allowed to operate any printing equipment. All employees should be able to perform basic first aid, especially for minor cuts, burns and lacerations.

Business Auto Insurance for T-Shirt Stores – If the t-shirt store owns the vehicles, risks can be lowered when the vehicles are late model sedans, vans, or pickups and if regular vehicle inspection and maintenance is performed by an outside contractor. In addition, MVR’s should be run on all drivers and driver training instruction should be given.

Property Insurance for T-Shirt Stores – The principle fire loads for t-shirt stores include t-shirts, display units, cardboard shipping cartons, paper and plastic packaging and cleaning supplies. Due to the nature of the inventory, fire is potentially devastating to a t-shirt store. If printing is done on premises, care should be taken to ensure that the equipment is plugged in properly and kept in good working order. All trash, excess cardboard and packing material should be removed daily to further reduce the risk of fire. A central station smoke alarm system should be installed as part of a security system and a strict “no smoking” policy should be in effect.

Crime Insurance for T-Shirt Stores – Employee theft at a t-shirt store can be controlled by installing security cameras, conducting regular inventory and financial audits and requiring different employees to be responsible for deposits, payments and account reconciliations. Burglary and robbery risks can be reduced by installing a security system, training employees to spot and report suspicious activities and by making frequent transfers of money and securities to the bank.