We Offer Nationwide Hardware Store Insurance Programs

An extremely well-known website that we all know indicates that there are well over 35,000 hardware stores in the United States. AAG Insurance offers home improvement store insurance programs. Our slogan is “Your Protection; Our Priority” and that is what you get with one of our programs. Our team of hardware store insurance professionals know the best way to examine your current policy and determine if it is currently covering all the individual business risks associated with YOUR business. The greatest way of addressing high premiums and decreasing costs is allowing us to conduct a comprehensive review of your current policy. In doing so, AAG Insurance will be able to locate any gaps in coverage and make any recommendations if necessary. If you haven't had a comprehensive review within 1 year of your policy issue date, you could be paying too much or have substantial gaps in coverage. Doing this will ensure that you have the correct amount of coverage specific to your needs.

Mom and Pop Hardware stores are a great place to shop, or simply kill time talking with the great people that work there. My greatest childhood memories were of stopping in on my way home from running errands and stopping in to my local Hechingers Hardware Store and following my dad around the store. You can really get a pulse of the community by talking to the employees of the local hardware store. That is why we decided to create home improvement store insurance programs just for local hardware stores.

“The fellow that owns his own house is always just coming out of a hardware store"

                                                                                                                   -Kin Hubbard

What Could Happen To Your Business:

As a business owner, or future hardware store owner, one needs to understand that just about anything can happen.  Let me help you paint a picture. 

Situation #1—One unsuspecting day, A customer that you are friendly with, suddenly takes an unexpected tumble while leaving the restroom.  He slips and hits his head…suffering a concussion or WORSE.  All of a sudden, somebody you think is a friend of your hardware store is taking legal action against you and your livelihood.

Situation #2 --A violent storm hits your area.  Obviously, this is an uncontrollable act of nature…beyond your control.  After a gust of hurricane wind an electrical wire go down. You have no electricity to run your business.  You can’t sell, keep your doors open, and keep your employees busy enough. 

Situation #3—Your stockroom boy accidentally spills some dangerous chemicals while loading a customers car.  It could be pesticide, weed/grass eliminator, or just plain bleach.  Your customers interior is ruined, and you could be held liable.

Situation #4 – One of your sales associates is demonstrating the latest and greatest power drill to a curious client.  A few minutes later the drill is placed on the table and the sales associate is pulled away by another customer.  Now you have a activated drill.  A child who is too young to know any better picks it up and injures himself with it.  The parents are IRATE and threaten legal action against you and your hardware store.  [These things happen].    

Be Proactive…Not Reactive. 

Take action today to protect your business and livelihood.  Contact a hardware store insurance professional today!  Here are some things that you need to think about before you choose a policy. 

Lawsuits are so prevalent today!  Who doesn’t know a lawyer?  Slips and falls. Charges of negligence or slander.  A clerk’s poor recommendation about the use of paint thinner, building materials, or how to fix something.  Make sure you have the correct coverages added to your home improvement store insurance program today!  That our job, our passion, and what we love to do.  Let us shop it for you!

Some Coverages that Could Be Part of Your Program:

• Coverage against theft.  Both employee and outsiders  
• Systems breakdown coverage 
• Business continuation  
• Building ordinance or law coverage  
• Employment practices liability  
• Off-premises utility failure  
• Employee benefits liability coverage  
• Low-cost fidelity bond
• Workers compensation Insurance
• Coverage for glass breakage and outdoor signs
• Stock spoilage
• Sewer backup
• Computer damage  
• Stolen property in transit   
• Loss of income coverage 

Let Us Help You With Your Hardware Store Insurance Policy!

Protection is meaningless after the accident. And think about it. We are all one mishap away from devastating personal and financial loss.

At AAG Insurance we take pride in creating long-term relationships with our clients. That has been our foundation for almost 40 years. Avoiding accidents is not promised to you or anyone else. So, don’t delay. Be prepared for life’s misfortunes. Complete the Protection Savings Form (at the top) and let the professionals at AAG Insurance build a foundation of protection over you and your hardware store.