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Picture Framing Shop Insurance

Picture framing shop insurance is coverage built for the quiet, careful chaos of mats, moldings, glass, and priceless memories. You cut glass while a customer cradles a vintage concert poster. You match a fabric mat by sight, feel, and the faint scent of fresh board. One slip, and you’re facing a big bill. This policy mix helps protect your shop—from third-party injuries to damaged customer artwork and a fire that halts production. If you’re looking for picture framing shop insurance, you’ve found it here. Let’s keep the art—and your cash flow—safe.

General Liability for Picture Framing Shops

Glass, blades, and foot traffic don’t always play nice. General liability responds when a visitor is injured or when you’re accused of damaging property that isn’t yours. It can also address claims of personal and advertising injury—say, a photo on your website that a photographer says you had no right to use. I’ve seen a framer win a big job after the client asked one question: “Do you have GL?” Yes gets you in the door.

Claim Example: What’s Covered?

  • A customer trips over a frame easel, breaks a wrist, and sues for medical bills.
  • You scratch a client’s hardwood floor during an in-home installation.
  • A competitor claims your Google ad copy infringes on their slogan.
  • A falling display frame cracks the gallery’s glass countertop.
  • The courier slips on your ramp; their company seeks reimbursement.

BOP Coverage for Picture Framing Shops

A Business Owners Policy (BOP) bundles general liability with commercial property and business income—usually at a better price than piecemeal. It can insure your building (if you own it), tenant improvements, stock of moldings, glass sheets, mat board, corner samples, point-of-sale hardware, and office furniture. Business income coverage can replace lost revenue when a covered loss—like a fire—shuts you down. Many framers also add endorsements for bailee’s customer goods (art in your care), equipment breakdown, and ordinance or law upgrades after a partial loss.

Claim Example: What’s Covered?

  • Overnight pipe burst floods the shop; you replace moldings and mat stock and recover lost income while you dry out.
  • Power surge fries your computerized mat cutter; equipment breakdown helps with repair or replacement.
  • Smoke damage from a neighboring unit ruins corner samples and gift items.
  • A break-in leads to stolen tools and shop computer containing job specs.

Workers’ Compensation For Picture Framing Shops

Coverage: Pays medical bills, rehab, and a portion of lost wages for employees injured while working—think glass cuts, repetitive-motion injuries from mat cutting, or ladder falls during installations.

Importance: Required in most states and vital for shielding your business from employee injury costs. Even careful framers get sliced; workers’ comp keeps a bad day from becoming a business-ending event.

Claim Example: What’s Covered?

  • An employee lacerates a hand on a glass edge and needs stitches and time off.
  • Chronic shoulder strain from stretching canvases requires physical therapy.
  • A team member falls from a step stool while hanging a 40x60 frame at a client’s home.
  • A delivery helper tweaks a knee lifting a crate; wages and treatment are covered.

What Else do Picture Framing Shops Need

Beyond a BOP and workers’ comp, round out your protection with targeted coverages:

  • Bailee’s Customer Goods (Fine Arts Floater): Covers artwork while it’s in your custody—on the bench, in storage, or in your vehicle. Ask about “wall-to-wall” for transit to installation.
  • Errors & Omissions (Professional Liability): Protects against claims you mis-measured, used the wrong UV glazing, or mounted a piece in a way that caused damage.
  • Inland Marine / Tools & Equipment: Insures portable tools, specialty cutters, fitting tools, and installation gear—on-site or on the road.
  • Cyber Liability & Data Breach: Helps if your POS is hit by malware or customer payment data is compromised.
  • Commercial Umbrella: Adds extra liability limits over GL, auto, and employers liability for bigger jobs and galleries that require higher certificates.
  • Outdoor Signs & Glass: Front window and lighted sign coverage for street-side appeal.

FAQs: Picture Framing Shop Insurance

1) How much is picture framing shop insurance?
 Most shops see $600–$1,100+ annually for GL; BOPs often run $900–$3,000+ depending on location, limits, payroll, receipts, and protection features.

2) How do I buy picture framing shop insurance?
 Tell us your location, years in business, annual sales, payroll, and equipment values. We quote multiple carriers and bind the policy—often same day.

3) Do I need Errors & Omissions?
 If you design, advise on conservation materials, or install, E&O helps with claims tied to mistakes or faulty advice.

4) What does a BOP usually include?
Usually it's a combination of general liability, commercial property, and business income. You can add bailee’s, equipment breakdown, and more.

5) Do I need workers’ comp if I use help or family?
 Often yes. Many states require coverage for anyone performing work, even part-time or family. Rules vary—ask us.

6) What limits should I carry?
 Common picks: GL $1M/$2M, bailee’s $25k–$250k+, property to full replacement cost, umbrella $1M–$5M for larger clients.

Why Choose USA Insurance

You want a partner who knows frames, glass, and deadlines. We’re that team—99% customer satisfaction and deep know-how in commercial coverage, coast to coast from Burbank, CA.

  • Nationwide licensing for fast policy turnarounds
  • Tailored coverage for construction, retail, services, manufacturing
  • Proactive renewals to seek the best rates
  • Competitive, affordable plans for contractors, salons, mechanics—and framers

Let us protect your business like it’s our own. Reach out today!

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