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Customers can purchase a variety of wigs, toupees and hair pieces at these stores. Natural-looking wigs shaped in current styles, colorful wigs intended for costume parties, toupees for men, clip-on hair extensions and wig care products may be included in these stores. Wigs may be synthetic or made of human hair. Wig and toupee stores typically offer fitting, cleaning and repair services for products.

General Liability Insurance for Wigs & Toupees Stores – Wigs and toupees stores must provide a clean and clutter free environment that poses no risk for customers to slip and fall. Walk spaces between aisles should be adequate for easy passage and no electrical or phone wires should transverse walkways. Flooring should be in good condition and exit ways should be visibly marked. If stairs are present, they should be constructed to code, have sturdy handrails, and skid resistant surfaces. Sidewalks and parking areas should be free of debris and also in good repair. Stores that buy merchandise directly from foreign countries will have an increased risk of products liability.

Workers’ Compensation Insurance for Wigs & Toupees Stores – Wig and toupee stores that offer repair, cleaning and fitting services should train their employees to properly use the tools necessary for these services. Stock rooms should remain tidy at all times. Proper lifting techniques should be enforced. Wig and toupee store employees may be injured when opening boxes of stock from the use of razor blades or box cutters.

Business Auto Insurance for Wigs & Toupees Stores – Business travel should be minimal for wig and toupee store employees. Employees of wig and toupee stores may occasionally drive to attend trade shows, which will increase auto risks. Youthful operators, nighttime travel, and heavy city traffic conditions will increase business auto risks.

Property Insurance for Wigs & Toupees Stores – Fire is a major risk at wig and toupee stores due to the highly flammable nature of hair. If hair products are used or sold, such as hairspray and other aerosol items, then the risk of fire is even greater. If curling irons or hair dryers are used for fitting and styling purposes, additional precautions should be taken. The risk of fire is also impacted by the proximity and occupancy of neighboring businesses. A one-hour firewall extending through the roof should be used whenever one building is connected to other buildings such as in a strip shopping center. Appropriate fire suppression systems should also be in place.

Crime Insurance for Wigs & Toupees Stores – Employees may embezzle funds or steal merchandise from the store. Burglars may also steal money from wigs and toupees stores, therefore increasing crime risks. Regular monitoring of cash registers should protect all monies. Funds should be deposited daily at unpredictable intervals to reduce the chances of courier robbery. Employees who are not authorized to deposit and withdraw funds should reconcile bank statements. Routine inventory counts will help reduce the risk of employee theft.