Lighting Store Insurance Coverage Checklist
The coverages a lighting store 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 lighting showrooms and stores. Priorities reflect typical exposure for this class; confirm against your actual products, locations, and operations.
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 |
|---|---|---|---|
| Products-Completed Operations | Covers fixtures that fall or overheat after the sale. | Core | |
| General Liability | Covers overhead displays above shoppers. | Core | |
| Vendors Endorsement / Additional Insured | Passes product claims back to suppliers. | Core | |
| Business Personal Property | Covers fragile crystal and glass inventory. | Core | |
| Workers' Compensation | Covers hanging heavy fixtures from ladders. | Core | |
| Product Recall Expense | Covers pulling and replacing recalled fixtures. | Prevalent | |
| Installation Floater | Covers fixtures in transit and at job sites. | Prevalent | |
| Commercial Auto | Covers delivery vans. | Prevalent | |
| Business Income | Covers showroom closure. | Prevalent | |
| Professional Liability | Covers lighting design and specification advice. | Situational |
The coverage gap most often missed
The gap most often missed by lighting stores is recall cost. Standard GL excludes the cost of recalling products, and few lighting retailers buy recall-expense coverage — yet CPSC holds pure retailers to their own reporting duties, as BJ's $9M penalty shows, so recall costs fall on the store even when an overseas maker caused the defect.
Send us the checklist and we'll review your lighting store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Lighting Store Insurance · Lighting Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a lighting store business need?
The core coverages for a lighting store business are Products-Completed Operations, General Liability, Vendors Endorsement / Additional Insured, Business Personal Property, Workers' Compensation. 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 lighting store 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.