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Why do picture framing stores need insurance?
If a fire destroys the frames in your shop, or you accidentally damage a customer's artwork, the resulting costs could sink your business. Business insurance helps you recover quickly from accidents and disasters. You might need it to comply with state laws, rent a storefront, or qualify for a loan.
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With Insureon, frame shop owners can get insurance coverage the same day they apply for quotes.
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What type of insurance is recommended for a picture framing store?
These insurance policies cover the most common risks at frame shops.
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for owners of frame shops to buy general liability coverage and commercial property coverage together.
BEST FOR
- Slip-and-fall injuries
- Accidental property damage
- Business interruption coverage
General liability insurance
A general liability policy covers third-party lawsuits from injuries and property damage. For example, a customer could sue if they're injured by a sharp edge on a frame.
BEST FOR
- Customer bodily injuries
- Product liability claims
- Advertising injuries, such as copyright infringement
Workers’ compensation insurance
Most states require workers' comp as soon as a framing business hires its first employee. It also protects sole proprietors from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from workplace injuries
Cyber insurance
This policy provides picture framers with financial protection in the event of a data breach or cyberattack. It’s recommended for any business that stores customer information.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyber extortion demands
Commercial umbrella insurance
Umbrella insurance boosts coverage on a frame store's general liability, employer’s liability, or commercial auto insurance policy once the limit is reached on a claim.
BEST FOR
- Customer injury lawsuits
- Employee injury lawsuits
- Auto accident lawsuits
Commercial auto insurance
This type of coverage pays for legal costs if your frame store's delivery van or other vehicle gets into an accident. Each state has its own requirements for auto liability insurance.
BEST FOR
- Injuries caused to another person
- Property damage caused by your vehicle
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does insurance cost for a picture framing store?
Framers who work independently and framing stores with just a few employees won't have to pay a lot for business insurance.
Factors that affect the cost of retail business insurance include:
- Products you sell, such as picture frames, art supplies, or antiques
- Services you offer, such as custom framing, frame restoration, or delivery
- Whether you have a brick-and-mortar business or an e-commerce business
- Business operations and income
- Policy limits and deductibles
- Claims history
How do I get picture framing store insurance?
It's easy to get insurance for your frame shop if you have your company's information on hand. Our application will ask for basic facts about your store, such as revenue and number of employees.
You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policy and download a certificate.
Insureon's licensed insurance agents work with top-rated U.S. insurance companies to find the right coverage for your business needs, whether you work independently or hire employees.
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FAQs about business insurance for picture framing stores
Review answers to frequently asked questions about insurance for stores that sell frames for paintings, posters, photos, and more.
Do picture framing shops need product liability insurance?
Product liability insurance is crucial for every retail store, including your framing shop.
This policy covers legal costs when a product sold at your store causes a bodily injury or damages someone's property. Product lawsuits are common, which is why every retail store needs this coverage.
If a customer is harmed by a product, the resulting legal bills could bankrupt your small business. Even if you weren't responsible for the product defect that caused the issue, you could still be held liable. That's why retailers, manufacturers, wholesalers, and distributors all need this coverage.
When you buy commercial general liability insurance or a business owner's policy, it usually includes product liability insurance. You might also see this coverage called products-completed operations insurance.
Does picture framing insurance protect against theft?
Yes, you can buy framer's insurance that protects against losses from theft. These types of insurance provide reimbursement in the event of a burglary or similar incident:
- Commercial property insurance covers theft of frames, artwork, and other items from your store. It also protects against vandalism, fires, storms, and other events that damage or destroy business property. You can save money by bundling it with general liability insurance in a business owner's policy.
- Commercial crime insurance protects against losses related to employee dishonesty, such as cash register theft or check fraud. You can usually add it to your business property insurance.
Property claims cause your premium to go up, which is another reason it's best to prevent theft in the first place. Some insurers even offer a discount when you install an approved security system or take other steps they recommend.
What other types of insurance policies should picture frame stores consider?
Owners of small frame shops should consider buying additional coverage as part of their risk management strategy. That includes:
- Business income insurance: This policy covers employee wages, rent, lost income, and day-to-day expenses when your store is forced to close due to damage from a fire, storm, or other covered event. It's also called business interruption insurance.
- Equipment breakdown insurance: If a glass cutting machine, point of sale device, or other machinery fails unexpectedly, equipment insurance can help pay to repair or replace it.
- Electronic data processing insurance: This policy protects against financial losses related to data loss on computers, backup drives, operating systems, network storage servers, and other eligible devices.
- Inland marine insurance: Because commercial property insurance only covers ordinary items at your business address, you may need inland marine insurance to protect valuable frames and fine art. It also protects business property while it's in transit or stored off-site.
- Bailee coverage: This is a type of inland marine insurance designed for items in your care, custody, or control, which is an exclusion in general liability insurance. It provides art insurance if a customer's painting is stolen from your shop or damaged while in your care.
If you have questions or need help finding the right commercial insurance for your risks, chat with a licensed agent today.