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Window Shade, Blind, and Curtain Store Insurance
Blind / Window Shades Store
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Why do window shade stores need insurance?
If a child gets entangled in a window blind cord, the harm to them and your shop could be devastating. Business insurance covers legal costs from customer accidents, along with costly incidents like fires and data breaches.
Find affordable insurance
With Insureon, owners of window shade shops can compare quotes from top-rated insurance companies.
A licensed insurance agent will help make sure you get the right coverage at a price you can afford.
What type of insurance is recommended for a window blind and curtain store?
These insurance policies cover the most common risks faced by stores that sell blinds, curtains, and other window coverings.
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for owners of window shade stores to buy general liability coverage and commercial property insurance together.
BEST FOR
- Injuries caused by window coverings
- Damaged or destroyed inventory
- Business interruption coverage
General liability insurance
A general liability insurance policy covers third-party lawsuits from injuries and property damage. For example, a customer could sue over a sharp edge on a window blind that caused an injury.
BEST FOR
- Customer bodily injuries
- Product liability claims
- Libel and other advertising injuries
Workers’ compensation insurance
Most states require workers' comp as soon as a window shade 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
- Workplace injury lawsuits
Cyber insurance
This policy helps window blind and curtain shops recover financially from data breaches and cyberattacks. It’s sometimes referred to as cyber liability insurance or cybersecurity insurance.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyber extortion demands
Commercial umbrella insurance
Umbrella insurance boosts coverage on a window shade 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 policy covers legal defense costs if your window shade shop’s 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 retail stores?
A small window blind shop with only a few employees won't have to pay a lot for business insurance.
Factors that affect the cost of retail store insurance include:
- Services you offer, such as window installation or delivery
- Whether you have a brick-and-mortar business or an e-commerce business
- Business operations and income
- Policy limits, deductibles, and exclusions
- Coverage options, including any additional insureds
- Claims history
How do I get business insurance for a window shade store?
It's easy to get insurance for stores that sell window shades, blinds, and curtains if you have your company's information on hand. Our application will ask for basic facts about your shop, 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 agents work with top-rated U.S. carriers to find the right insurance coverage for your blind and shade store, whether you work independently or hire employees.
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FAQs about business insurance for window shade, blind, and curtain stores
Review answers to frequently asked questions about insurance for stores that sell blinds and other window coverings.
Do window shade stores need product liability insurance?
Blinds and other window treatments can be hazardous, which is why you need product liability insurance. If a child is injured by a product sold at your store, the resulting legal fees could bankrupt your business.
Product liability insurance covers a wide range of product lawsuits, such as:
- Manufacturing errors that create sharp edges
- Injuries from window cord entanglement
- Lack of warning labels or disclaimers on products
- Mistakes in instructions that lead to an injury
Product liability insurance covers legal costs when a product sold at your store causes a bodily injury or damages someone's property. Because accidents involving blinds are common, this is one of the most important policies for any window shade business.
If a customer sues your shop, 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.
Fortunately, when you buy commercial general liability insurance or a business owner's policy it usually includes product liability coverage. It's sometimes called products-completed operations insurance.
Does window shade, blind, and curtain store insurance protect against theft?
Yes, you can buy insurance products that provide financial reimbursement for burglaries and other property losses. Here are the most common types of insurance that protect against theft:
- Commercial property insurance covers theft of curtains and other items from your store, along with vandalism, fires, storms, and other incidents 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 caused by dishonest employees, such as cash register theft. You can usually add it to your property policy or BOP.
Property claims cause your premium to go up, which is another reason it's best to prevent theft in the first place. Sometimes insurers even offer a discount when you install an approved security system or take other recommended steps.
What other types of insurance policies should window shade, blind, and curtain stores consider?
Window shade companies should consider several other types of insurance as part of their risk management plan. That includes:
- Business income insurance: This policy covers employee wages, rent, lost income, and day-to-day expenses when your window blind store is forced to close due to damage from a fire, storm, or other covered property claim. It's also called business interruption insurance.
- Equipment breakdown insurance: If a commercial blind cleaning machine, point of sale device, or other piece of equipment fails unexpectedly, this policy 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 items at your business address, you may need inland marine insurance to protect shipments of curtains and other products while they are in transit or stored off-site.
- Product recall insurance: Stores can face significant losses when a product is recalled. This policy helps cover the cost of removing defective blinds from your shop, along with related PR efforts.
If you have questions or need help finding the right insurance solutions for your risks, chat with a licensed agent today.