Get a Quote for Bed Linens Distributor Insurance

What Coverage

does your business need?

As a small-business owner (or someone thinking about opening a small business), your head is probably spinning over the choices when it comes to the types of insurance coverage your company needs. It’s important how each type of coverage protects you, your employees and your business.

Bed Linens Distributor Insurance

Bed Linens Distributors are a specific type of businesses selling all types of bedding. This includes sheets, pillow cases, shams, comforters and duvet covers. You might also sell other housewares for the bedroom or bathroom, like area rugs, towels, throw pillows, bed pillows, sheets, window coverings, home decor and accessories. Due to your types of products, property damage from unexpected events is a significant risk, along with general liabilities and shoplifting risks. Choose linen and bedding store insurance for adequate protection.


Types of Bed Linens Distributor Insurance


The following insurance policies are the most important ones for Bed Linens Distributors, and cover a wide range of risks.


Bed Linens Distributor General Liability Insurance


General liability insurance is a must have policy for your Bed Linens Distributor business. It includes three different areas of coverage: premises liability, products liability and completed operations. Completed operations is for any services you provide, such as cleaning services or custom-made bedding. If it causes an injury, loss or damage, you’re responsible for the costs. Premises liability includes injuries on your premises, such as a customer slipping on a freshly-waxed floor and is injured.


Bed Linens Distributor Product Liability Insurance


Product liability is usually included in general liability policies. Your products may cause illness or injury, such as if a sheet is made with a chemical that causes an illness to a customer, or a home decorative item that breaks and causes a customer’s hand to be cut and need stitches.


Bed Linens Distributor Commercial Auto Insurance


If you or your employees use a personal vehicle for business errands, like going to the bank or post office, you should be covered with a business auto insurance policy. This is a commercial linen and bedding business insurance policy including coverage from bodily injury or car damage, along with theft or vandalism if you choose these overages. For example, if you are parked at your supplier’s office and someone vandalizes your vehicle, the policy covers the repairs.


Bed Linens Distributor Business Property Insurance


Much of your items have the potential to be destroyed quickly from fire, flood, extreme weather or natural disasters. But if you have a business property insurance policy, you don’t need to worry about the loss. The policy helps make necessary repairs to your building, and can replace destroyed items, like blankets, sheets or other linens in your store.


Bed Linens Distributor Cyber Liability Insurance


If you have an online Bed Linens business, protect your business with a cyber liability insurance policy. You may have a hacker get into your site and steal your customer’s personal or financial information. The customer will sue you for damages, so you’re now responsible for legal costs. With cyber liability insurance, these costs are covered.


Bed Linens Distributor Workers’ Compensation


You should also have protection for your employees, with the help of a workers’ compensation policy. Your linen and bedding store may seem like it has few chances of injury to your workers, but employees could get a repetitive motion injury if they work the cash register eight hours a day. This may mean hand, wrist or shoulder injuries, all of which are covered by workers’ compensation insurance.


Bed Linens Distributor Crime Insurance


Your linen and bedding store also needs protection from various crimes, like dishonest employee acts, vandalism or shoplifting. If a customer steals accessories from your store while you’re with another customer, that loss will be covered by the crime insurance policy. But don’t let it keep you from other security measures, like surveillance equipment and choosing your employees carefully.


By choosing from these Bed Linens Distributor business insurance policies, you have the protection you need. You’re protecting your assets, business and employees by having the right portfolio of insurance policies.