It is not only during the holiday season that toy stores face business risks, although they certainly increase during the peak season.

Like other outlets, toy stores share common risks, but there are certainly additional exposures due to the specific industry line.

Ordinary risks include damage caused by fire, atmospheric agents and crime. If repair or construction is required due to damage to the premises, a company may not be able to operate for the time being. Unfortunately, this results in loss of income.

As with any other business, a toy store can be sued for a variety of reasons, including injuries from a slip and fall on the spot. Due to the nature of the line of work and the merchandise being sold, a toy store can also become the brunt of a product liability lawsuit.

Below are three insurance claim scenarios that emphasize the need for a tailored insurance plan.

Property coverage

An employee took a break in the warehouse. His lit cigarette caused a fire that spread, causing tens of thousands of damage to premises and goods. Due to the extent of the damage and the time it took to repair, rebuild and restock, the toy store was forced to close the store for a few weeks, resulting in significant income losses and additional expenses.

General Liability Coverage

Rain made parking slippery. A child fell and slipped and broke his arm. Parents are suing the toy store for doctors and hospital fees.

Coverage for product collection

A girl injured herself while handling a defective doll. The parents are suing the toy manufacturer. They also sued the toy store where the doll was purchased, citing negligence regarding the sale of a substandard item.

Business Owners Policy: Toy Store Owner Insurance

The policy of a toy store entrepreneur can consist of several covers as it pertains to the individual store.

The following protection policies can be grouped for comprehensive related commercial coverage.

• General Liability Coverage
• Property coverage
• Coverage of business interruption
• Coverage of liability for work practices
• Crime coverage
• Product Liability Coverage
• Commercial auto coverage
• IT liability coverage
• Workers’ compensation
• Equipment failure coverage

Of course, the holiday season has a greater exposure to damage and loss. A professional agency will be able to offer temporary coverage options to add to daily insurance plans. Dealing with a recognized independent insurance agency will ensure you get the lowest competitive quote associated with your needs.

Handcrafted by Artists

MoonPie Reborns® offers a wide variety of unique and exclusive collectible dolls, including many Lifelike Reborn baby dolls, Newborn Toddlers, Sleeping Reborns, Girls Baby Dolls, Boys Silicon Babies, each of which is crafted with great craftsmanship and unrivaled quality.

With a dizzying collection of baby dolls, children’s dolls, smile baby dolls, you’re sure to find a doll that will capture your heart. Get ready to experience beautiful creations, exquisite details and expertly tailored clothing when you shop our unique gallery of collectible reborn baby dolls. Plus, for the little doll lovers in your life, we also have dolls designed for kids that are sure to inspire hours of playful fun. There are so many dolls for you to choose, which will surely warm your heart. Which one will have a forever home with you?

Make With Love

When you meet our reborn baby dolls for the first time, you’ll be amazed at how real they are! Our amazing lifelike silicone dolls are handcrafted from our exclusive authentic silicone, giving each caress a “giving” feeling.

Handcrafted from soft vinyl, our newborn dolls also capture sweet details, from the cute little face to the tiny wrinkles on the fingers and toes that are sure to break hearts. Each treasured bundle of joy will complement your doll collection and come in just the right size and weight to feel so life-like when you hold them in your arms. Offering many darlings to love, including African American dolls, these sweethearts are waiting to be discovered! Don’t wait – buy now!

Leave a Reply

This site uses cookies to offer you a better browsing experience. By browsing this website, you agree to our use of cookies.