Phone Number (888) 900 0205

Party Supply Store Insurance

You've turned your love of party throwing into a profitable business. Now you sell party supplies to other people. They may share your love for parties, or they may simply be looking for solutions for basic birthdays and anniversaries. No matter what your customers may be looking for, you're there to help. And your party supply store insurance is there to help you.

General Liability

Retailers like you have to address a number of different types of risks as part of their day-to-day business operations. One of the biggest risks you face, is that a customer will get hurt while shopping in your store. There's also the chance that a customer's property could be damaged while they're there, and that might end with your business being sued. General liability coverage is what you need to cover these basic risks.

Claim Example: What's Covered?

  • Confetti or other decorations get spilled on the floor, and this causes someone to slip, hurt themselves, and need to be taken to the hospital.
  • An employee is unloading rented tables and chairs for an event, and scratches gouges the client's front door accidentally.
  • Shelving units collapses in your store and ruins merchandise while also injuring multiple customers.

BOP Coverage for Party Supply Stores

When you add property protection to a general liability policy, you're securing your business assets. This is known as a BOP, or Business Owner's Policy. It pays to repair or replace any of your physical business assets that are damaged by unexpected events. Assets protected include inventory, business buildings, office equipment, and furnishings.

Claim Example: What's Covered?

  • If an electrical fire breaks out in your retail space and destroys party decorations, balloons, and costumes.
  • Thieves break in and steal expensive party rental equipment like tents, chairs, or audiovisual gear.
  • A big storm causes damage that floods your store and causes you to be shut down for several weeks.

Workers' Compensation for Party Supply Stores

Workers' compensation insurance covers medical costs and lost wages for employees injured while working in your store or delivering party equipment. Required in most states, it protects your business from significant financial and legal liabilities.

Claim Example: What's Covered?

  • An employee falls from a ladder while restocking shelves in your store and has severe injuries that require hospitalization.
  • A maintenance worker slips while mopping the floor and breaks their wrist from the fall.
  • Delivery staff are involved in a traffic accident while transporting party supplies and will be off work for extended recovery.

What Else Do Party Supply Stores Need?

Party supply stores may benefit from additional specialized coverages, such as:

Frequently Asked Questions about Party Supply Store Insurance

How much does party supply store insurance cost?

You'll likely pay $350 each year.

How can I purchase party supply store insurance?

Through reputable insurance agencies specializing in retail and commercial coverages.

Is workers’ compensation required for all party supply stores?

Yes, in most states, it’s mandatory if you have employees.

Does insurance cover inventory losses from theft?

Yes, property coverage included in your BOP protects against theft of merchandise.

Is coverage for rented items included in standard policies?

Typically, inland marine insurance provides additional protection for rental equipment.

Can insurance help if my store experiences vandalism?

Absolutely. Property insurance covers those types of losses.

Do I need cyber liability coverage?

If your store processes online transactions or stores sensitive customer data, cyber coverage is highly recommended.

Why Choose USA Insurance

Choose USA Insurance for your party supply store and experience industry-leading commercial insurance:

  • 99% customer satisfaction—trusted by businesses nationwide.
  • Expertise in retail and party supply store insurance, providing customized coverage.
  • You'll get quick responses, nationwide.

USA Insurance makes sure you get plans that are affordable for your budget. They're still designed specifically for your party store needs though, and we offer flexible payment options too. And if you ever need to make a claim, we make sure it's processed fast.

Start Your Quote Now!

Not Sure What You Need ?
Call us (888) 900 0205

Contact Us