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These stores sell a variety of gifts and useful items such as toys, housewares, toiletries, books, cleaning supplies and stationary at low price points. Stores are typically named after the price of the items in the store, such as 99 Cent Store. Items are usually sold on a cash-and-carry basis, meaning that customers pay in cash and carry items out of the store themselves. Typically, these stores are not divided into departments, do not carry a complete line of products, do not accept charge cards and do not provide delivery services.

General Liability Insurance for Variety Stores – Merchandise should be neatly displayed throughout the variety store and aisles must be spacious and free of any fall hazards. Variety store employees should practice good housekeeping and vacuum and/or sweep floor coverings every day. All exits must be properly marked. Areas accessible to customers outside the building should be well maintained, free of debris, and well lit. Any uneven surfaces should be marked with yellow paint. If products are purchased from foreign countries, the risk of products liability is greater.

Workers’ Compensation Insurance for Variety Stores – Variety store workers may be injured when lifting heavy items. They could also potentially fall if stores and stock rooms are not neat and clean. Safety and lifting techniques should be trained as a result. The use of stools and stepladders may be required. All manufacturers’ warnings must be heeded about the set up and use of stools and stepladders in order to prevent employee injury.

Business Auto Insurance for Variety Stores – Variety stores employees may need to drive to run errands occasionally for the store. The frequency and radius of business travel will normally be minimal. If employees drive their own vehicles for business purposes, they should have adequate Personal Auto liability insurance.

Property Insurance for Variety Stores – If flammable items, such as cleaning supplies and related products, are sold at variety stores, the risk of fire is increased. Such items should be properly handled and stored away from other merchandise. In order to help reduce the fire load, trash and excess packing materials should be removed daily from variety store premises. Theft is possible, but is not a huge concern since merchandise is usually inexpensive. Appropriate security and protective measures should be in place.

Crime Insurance for Variety Stores – Employees may steal money or merchandise from variety stores. Inventory should be tallied on a regular basis to help avoid employee theft. Cash flow should be carefully monitored and frequent bank drops should be required. References should be checked prior to hiring any new employees and detailed applications should be used as well. Robbery and burglary could result in additional loss of money.