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Vitamin stores primarily engage in the retail sale of vitamins, dietary supplements and herbal supplements. Products may include vitamins, minerals and herbs in pill form that promote health, beauty and/or wellness; powders, beverages and nutrition bars that help improve fitness performance; weight loss aids; detoxification products and herbal teas. Health foods are not predominantly sold in these stores.

General Liability Insurance for Vitamin Stores – The main liability risk for vitamin stores is customers experiencing a negative or adverse reaction to the vitamins they purchase. Employees should be well trained in the benefits and drawbacks of all products so as the make the best possible suggestions to their customers. Customers should also understand that they are choosing to use the products at their own risk and the employees are not able to treat or diagnose any medical condition – or make promises about the effects of any particular product. With regard to weight loss products, many states have laws in place limiting the purchase of certain products to adults over the age of 18. If such products are carried, employees should be diligent in checking identification and pointing out the risks associated with taking weight loss products. Others risks at a vitamin store include shelving collapse, reaching injuries or trips/slips/falls. Products should be easily accessible to customers to prevent such injuries. Walkways should be wide and free of tripping hazards.

Workers’ Compensation Insurance for Vitamin Stores – Employees of a vitamin store face risk of slipping, falling or injuring themselves while opening or moving inventory. Proper lifting techniques should be used when moving inventory and care should be taken when using a razor blade or knife to open cartons. Employee walkways and work areas should be kept orderly and floors free of debris.

Business Auto Insurance for Vitamin Stores – Most driving required of vitamin store employees will be limited to daily errands and trips to supply stores. Employee driving of any nature, however, can result in vicarious liability to the business. The risk can be controlled by running MVR checks on all drivers and requiring them to carry a sufficient amount of Personal Auto Liability insurance.

Property Insurance for Vitamin Stores – Many vitamin stores are located in shopping or strip malls and are therefore at an increased risk of fire. Neighboring businesses with occupancies such as restaurants, service and manufacturing carry a higher than normal risk of fire escaping their boundaries and spreading to other businesses. A one-hour firewall extending through the roof should be used whenever one building is connected to another. Shoplifting is a risk faced by all vitamin stores due to the small size and expense of many products. Expensive products should be kept near the cash register or behind the employee counter. Employees should routinely walk around the store and monitor the activities of the customers. Security cameras are also an option, as are electronic sensors located at the exits.

Crime Insurance for Vitamin Stores – Because of the expense and street popularity of many products sold by a vitamin store, there is the risk of employee theft. Strict inventory controls and adequate pre employment screening are two ways to minimize the risk. Employee embezzlement of funds can be controlled by requiring countersignature on all checks, not allowing the person who reconciles the bank statement to make payments or withdraws and requiring all persons who deposit or cut checks to take at least one week vacation each year.