Hobby & Craft Store Insurance
A hobby and craft store stocks tools, adhesives, and supplies that customers browse and sometimes test in busy, tightly arranged aisles.
What this coverage is intended to address
- ✓General liability is intended to respond when a customer slips or trips amid crowded craft aisles and alleges a bodily injury.
- ✓Product liability is generally intended to respond if a craft supply you sold, such as a glue, paint, or cutting tool, is alleged to have caused harm.
- ✓Business property protection may help respond, in the event of a covered claim, to packed inventory and shelving damaged by a covered peril.
Coverage products commonly considered
Most hobby & craft store operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Imagine a customer alleging that a craft adhesive bought at your store caused a skin reaction, leading to a product-related medical claim.
- Suppose a shopper trips over a restocking cart left in the yarn aisle and files a claim alleging a shoulder injury from the fall.
Frequently asked questions
What if a craft product I sold is blamed for an injury?
Product liability is generally intended to respond to allegations that a supply you sold caused harm, subject to the policy terms and conditions.
Are crowded-aisle trip claims addressed?
General liability is intended to respond, in the event of a covered claim, to a shopper alleging a fall in your store, with coverage governed by the policy language.
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