Fireworks Retailer Insurance Coverage Checklist
The coverages a fireworks retailer business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for consumer fireworks stores, seasonal tents and stands, and fireworks distributors. Priorities reflect typical exposure for this class; confirm against your actual locations and products.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (incl. Products) | Covers customer injuries from fireworks you sell — confirm fireworks are not excluded. | Core | |
| Property / Inventory (incl. | Seasonal Locations) Covers stores, tents, stands, and inventory against fire and theft. | Core | |
| Workers' Compensation / Employer's Liability | Covers staff and seasonal workers. | Core | |
| Vendor / Importer Products Coverage | Covers you as the seller of imported fireworks when the maker can't be reached. | Prevalent | |
| Commercial Auto | Covers trucks moving inventory to stands. | Prevalent | |
| Business Income (Seasonal) | Replaces income if a fire hits during the short selling season. | Prevalent | |
| Crime / Theft | Covers cash and inventory theft at stands. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for severe burn and eye injuries. | Prevalent | |
| Landlord / Host Additional Insured | Lets property owners hosting tents be added to your policy. | Situational | |
| Hired & Non-Owned Auto | Covers staff driving their own vehicles for deliveries. | Situational |
The coverage gap most often missed
The gap most often missed by fireworks retailers is the imported product. Most consumer fireworks are made overseas, so when a customer is injured the retailer or importer is often the only U.S. company to sue — and fireworks injuries jumped 52% in 2024. Seasonal inventory is the second gap: tents and warehouses can burn with peak stock inside. Confirm products coverage names fireworks with no importer exclusion, and set inventory limits for your peak season.
Send us the checklist and we'll review your fireworks retailer coverage line by line, then market it across multiple carriers that compete for your account.
Related: Fireworks Retailer Insurance · Fireworks Retailer Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a fireworks retailer business need?
The core coverages for a fireworks retailer business are General Liability (incl. Products), Property / Inventory (incl., Workers' Compensation / Employer's Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my fireworks retailer coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.