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These stores sell equipment for water softening, a process that reduces the magnesium, calcium, manganese and ferrous iron ion concentrations in hard water. Equipment is purchased for use in homes and buildings to make tap water more suitable for bathing and drinking. Products may include household water softeners such as shower filters and under the sink filters, commercial and industrial water softening equipment, pipes, hoses and water testers. Equipment installation is performed by separate businesses.

General Liability for Water Softening Equipment Stores – Shelving collapse, falling merchandise, slips/trips and falls are the most common liability risks of a water softener equipment store. Care should be taken to ensure that merchandise is securely placed on shelves and that all shelving units are properly anchored to prevent collapse or tip over. Employees should be available to help customers with products that are out of their reach or are too heavy to manage easily. Daily housekeeping should include sweeping or vacuuming all customer areas, cleaning and sanitizing public restrooms and ensuring that aisles are free of obstructions.

Workers’ Compensation Insurance for Water Softening Equipment Stores – Employees of a water softener equipment store face the risks of slip, trip, and fall accidents due to water spills and floors that are not well maintained. In addition, cuts and lacerations can occur while opening boxes of stock. Proper lifting techniques should be taught to all employees moving inventory to reduce the likelihood of a back sprain or injury. All employees should know the proper procedure for reporting and documenting a work related injury.

Business Auto Insurance for Water Softening Equipment Stores – Increased Business Auto risk factors for water softener equipment stores can be triggered by youthful drivers (under 25), heavy city traffic conditions, and travel over unfamiliar roads and cell phone usage. All employees driving should be limited to essential business errands and MVR checks should be required.

Property Insurance for Water Softening Equipment Stores – Combustible contents of a water softener equipment store such as paper, cardboard boxes, plastic and trash should be removed daily to reduce the risk of fire. Flammable chemicals should be stored in limited amounts and in appropriate containers. Fire extinguishers should be located in several locations throughout the store and employees should be trained in their use.

Crime Insurance for Water Softening Equipment Stores – Employee theft at a water softener equipment store can be minimized by adopting strict inventory controls. Inventory and financial audits should be conducted regularly and only limited amounts of cash should be kept on hand. Burglars target businesses that are vulnerable upon first inspection. Ideal targets include businesses that are not well lit, have close cover or other visual obstructions and have inadequate security systems.