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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.
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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.
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Typical coverages needed for this business segment will include Commercial Property,
General Liability, Inland Marine, Business Interruption, Theft, and Umbrella Coverage.
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