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Book Store Insurance 

Whether you are opening a small bookshop in the mall or a cozy bookstore in an old house, you are going to need to consider what insurances you need for your business.


Business Owner's Policy

When looking at all of the various insurance coverages you need to purchase in order to protect your bookstore from risk, you may have found it overwhelmingly expensive. Often, when we are overwhelmed in those instances, our instinct is to ignore the problem. But that is the exact opposite of what you need to do!

Instead of looking at each individual insurance coverage you need, it might be easier to look at the business owner's policy (BOP) for retail stores like yours. A business owner's policy is a bundled policy created especially for people in specific businesses, in this case, retail stores.

Given that the insurance company has bundled the policies, a business owner's policy is generally noticeably less expensive and covers most of what people in your business -- retail bookstores -- need to have covered.

Typically, a business owner's policy consists of general liability and property insurance.


General Liability Insurance

General liability insurance, also known as commercial general liability or business general liability, is one of the coverages which is absolutely key to protecting your bookstore. 

General Liability is the policy which will protect you if a customer climbs up on a stepladder to reach a book and falls over, hurting themselves or otherwise ends up taking you or your business to court for damages. It will pay for court costs, legal fees, and judgment or settlement costs up to your limits.


Property Insurance

Under most circumstances, property insurance is a "named-peril" coverage, meaning that the only things covered are those specifically mentioned in the policy itself. Generally speaking, those include fire, smoke damage, vandalism, and other common risks.

Sometimes, however, a business owner's policy offers what is called "all-risk" or "open-peril" coverage, though generally speaking, you will have to ask specifically for an all-risk policy as it is not the default.

Personal business property is usually covered. Personal business property includes items that are either owned or kept under the control of the retailer on the premises. It also includes any business premise which is either owned or rented by the business owner. 


Workers' Compensation Insurance

Naturally, you will need to get workers' compensation insurance if you have employees in order to both comply with the law and to protect yourself from lawsuits should your employee or employees be hurt on the job. Workers' compensation can take care of disability payments for any workers who are hurt on the job, cover medical expenses for that employee, and take over funeral expenses and support payments to a deceased employee's survivors.


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