Don’t Play Games with Your Insurance Coverage
Musical instrument, hobby, and sporting goods store owners know that the right equipment is key. Westfield’s playbook of small business insurance coverage gives you policies that fit your growing business and can add on to your existing plan with ease.
Exclusions Required for this Business Class
Business Types:
- Sewing, Needlework, and Piece Goods Stores
- Hobby, Craft, or Artist’s Supply Stores
- Musical Instrument and Supplies Stores
- Bicycle Stores (Sales and Servicing) except for stores that sell or rent motorized vehicles other than autos.
- Sporting Goods or Athletic Equipment Stores except for stores that sell guns or used protective sporting equipment.
*All policies subject to underwriting review.
A Variety of Options to Fit Your Business
Much like your customers enjoy a variety of hobbies and sports, we want you to have options when it comes to your small business insurance. With a range of available coverage options, you’ll get exactly what you need.
Imagine insurance as it should be – built to change with your musical instrument, hobby, or sporting goods store. Whether you own one store or 10, you start with a solid policy that has options to add coverage and limits based on what you need. Go ahead and grow … or even scale back if you need to. We’ll adjust. Watch the video
A single cyberattack can disrupt your business and reputation. If your store does become the target of an attack, Westfield cyber insurance helps you respond to impacts like breach of personal information, hacks into your computer system, or damage to data and systems. It can also cover costs associated with related litigation. Learn more
All small businesses can lose revenue when equipment is damaged from power surges, electrical shortages or employee mishaps. Equipment breakdown insurance covers the cost to repair or replace equipment or property damaged by the breakdown, including lost productivity. Learn more
Your employees make your business run, but they can also create additional exposure to risk. Employment Practices Liability Insurance (EPL) protects your business in the event of wrongful termination, discrimination, or harassment suits with reimbursement for legal costs, judgements, and settlements. (Note: EPL is distinct from Workers’ Compensation coverage.)
There’s a lot to lose in the event of a fire or flood, even beyond inventory. ALS business income insurance is a robust business interruption insurance plan that covers losses sustained as a result of direct physical loss or damage to your store by any event that is covered by the policy, giving you the ability to weather any storm.
Some of your customers buy one of something. Others buy in bulk. Similarly, we make it easy for store owners to expand their coverage. Depending on your facility, it may make sense to select expanded coverages that reach the foundation, underground pipes, even excavation costs and more. On the liability side, add up to 10 additional co-owners, managers, or other business partners.
Your employees are worth protecting. Workers’ Compensation provides wage and medical benefits for employees who are injured or become ill as a direct result of their job.
Why Choose Westfield?
We know a little bit about history and why it matters. Westfield combines the stability of a company more than 175 years old with the imagination of a modern, diverse team to serve the needs of small businesses as they grow, pivot, and expand in a world that is always changing. It’s a combination that builds both reputation and results, which is how we’ve maintained an AM Best Financial Strength Rating “A” since 1934.
What Our Sporting Goods, Hobby, and Musical Instrument Store Owners Are Saying About Their Claim Experience
"Exceptional customer service. They explained the claims process thoroughly."
"I had to do nothing beyond reporting the claim and it was settled in record time."
"My claims representative was absolutely awesome!"