Toy Stores

What Does GL Code 18834 Cover?

ISO GL class code 18834 covers retail establishments primarily engaged in selling toys, games, and hobby supplies. This includes a wide range of products from children's toys to collectible items, classifying operations that involve direct sales to consumers. The code addresses general liability exposures associated with customer interactions, product handling, and premises liability within a retail environment.

Who Uses This Class Code?

Businesses classified under this code include independent toy shops, specialty game stores, hobby and craft supply retailers, and larger stores with dedicated toy departments. This also encompasses online retailers operating physical storefronts or warehouses where customer interaction or product storage creates premises liability.

Common GL Claims for This Class

Common GL claims for toy stores include slip-and-fall incidents by customers on premises, product liability claims arising from defective or unsafe toys causing injury, and property damage caused by customers or employees within the store.

Coverage Tips for Code 18834

• Ensure your product liability coverage is robust, as toys can pose choking hazards or other safety risks, leading to potential lawsuits.
• Implement strict inventory control and shelving practices to prevent falling merchandise, which is a common cause of slip-and-fall claims in retail environments.
• Verify that any third-party vendors or manufacturers of private-label toys carry adequate product liability insurance and name your business as an additional insured.
• Regularly inspect play areas or demonstration zones within your store for potential hazards, as these areas can increase attractive nuisance risks and premises liability claims.