Maine Hardware Store Insurance Policy Information
Maine Hardware Store Insurance. Hardware stores sell a variety of merchandise for professional or do-it-yourself maintenance and repair projects for homeowners, renters, handymen, and contractors. Products offered include tools, building materials and supplies, lumber, plumbing, heating, air conditioning and electrical fixtures. Some also sell sporting goods, bicycles, gardening supplies, lawnmowers, prepackaged fertilizers, insecticides, pesticides, outdoor furniture, plants, clothing, toys, and automotive supplies.
Some operations fill and refill LP gas for campers and grills or provide a pickup and dropoff point for an LP gas dealer. Many hardware stores provide for the rental of various types of equipment from carpet cleaners to yard and garden machinery, to chainsaws or other equipment.
Most hardware stores offer repair services for the items they carry. Some offer window glass and screen replacement services if the customer brings the frame to the store. Delivery and contracting services for interior design, painting, wallpapering, flooring installation, or other building projects may be available, either through their own employees or through independent contractors.
As the owner of a hardware store, you offer your customers and your community a necessary service. But are you also considering the liabilities you face - the same liabilities that all business owners face in today's economy? We live in an increasingly litigious society; there is a subsect of people who are continually on the lookout for reasons to be offended or to claim injury or damage.
