Party Supply & Balloon Store Insurance Coverage Checklist
The coverages a party supply & balloon 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 party supply and balloon 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 |
|---|---|---|---|
| General Liability | Covers venue injuries during off-site installs. | Core | |
| Products Liability | Covers latex reactions and foil balloon power-line contact. | Core | |
| Commercial Property | Covers inventory and helium equipment. | Core | |
| Workers' Compensation | Covers cylinder handling and ladder work at events. | Core | |
| Commercial Auto | Covers delivering balloons and cylinders. | Prevalent | |
| Hired & Non-Owned Auto | Covers staff delivering in personal vehicles. | Prevalent | |
| Inland Marine | Covers tanks, pumps, and tools taken to events. | Prevalent | |
| Business Income | Covers helium shortages or fire that halt orders. | Situational | |
| Employment Practices Liability | Covers part-time and seasonal staff. | Situational | |
| Umbrella / Excess | Adds limits for vehicle or outage-related fires. | Situational |
The coverage gap most often missed
The gap most often missed by balloon stores is off-premises work. Some shop policies are written for storefront sales only, while the real exposure is at client venues — a tipped helium tank, wind-damaged arches, or a guest slipping on deflated balloons. Confirm GL covers off-site installations, and add auto and inland marine for deliveries and equipment.
Send us the checklist and we'll review your party supply & balloon store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Party Supply & Balloon Store Insurance · Party Supply & Balloon Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a party supply & balloon store business need?
The core coverages for a party supply & balloon store business are General Liability, Products Liability, Commercial 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 party supply & balloon 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.