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Discount (99¢) Stores
With the economic conditions of today, Discount (99¢) Stores are a huge industry in the New York and surrounding Metropolitan Areas. These are variety stores or price-point retailers that sell inexpensive items, usually with a single price point for all items in the store. Typical merchandise includes cleaning supplies, toys, cooking supplies, small tools, personal hygiene supplies, kitchen supplies, organizational supplies, small office supplies, holiday decorations, electronics supplies, gardening supplies, home decor, novelties, and pet supplies.
Depending upon the size, some variety stores may have a frozen food and drink sections, and also one with fruits and vegetables. Dollar stores are often franchises. The Deal$, Dollar Tree, and 99 Cents are three such examples.
Typical coverages needed for this business segment will include Commercial Property, General Liability, Inland Marine, Business Interruption, Theft, and Umbrella Coverage.