Insurance for Picture Framing Shops

Insurance for Picture Framing Shops

Picture Framing Shops offer an important service that many people rely on. Like with any business, there are important coverages that should be considered if you own or manage a picture framing shop. These coverages can vary quite a bit, so we will explain some of the most important coverages for your Picture Framing Shop.

Insurance for Picture Framing Shops – General Liability Insurance

General Liability is an affordable coverage that every Picture Framing Shop should carry. This coverage is especially important for those retail Picture Framing Shops that have a lot of walk-in clientele. If these clients fall and injure themselves, it is the General Liability that will provide the coverage. In addition, by carrying General Liability, you can add additional important coverages, which we will discuss below.

Insurance for Picture Framing Shops – Business Personal Property

Business Personal Property is a great coverage that can often be added to your General Liability Insurance Policy. When combining the General Liability with the Business Personal Property, the policy is often referred to as a Business Owners Policy. Business Personal Property coverage can include coverage for your tools, framing equipment, computers, furniture, etc. Not only is this coverage important, it is also affordable! In some cases you can add the Business Personal Property coverage for just $150 annually.

Insurance for Picture Framing Shops – Workers Comp

If your Picture Framing Shop has employees, you should carry a Workers Comp policy. Not all states require you to carry Workers Comp, but you can often be held liable for employee injuries even in states where Workers Comp is non-compulsory. Workers Comp can be a costly expense, but it is absolutely critical to have this coverage in case of an employee injury or accident. In many cases, you can purchase Workers Comp from the same carrier as your General Liability, which will often give you a multi-policy discount on one or both policies.

If you would like to learn more about Insurance for your Picture Framing Shop, give us a call at 925-297-4829.

All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.