What You Need To Know About Fabric and Yarn Store Insurance

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In a general sense, retail insurance is a concept that is worth taking seriously. If you are planning to open or purchase a retail shop, you are certainly going to want to learn everything possible about the particulars of retail insurance. You are also going to want to keep in mind that different types of retail stores can have different insurance considerations and requirements. At the same time, there are certain elements to providers of retail insurance that are fairly universal across the board, regardless of the type of retail store you have.

With fabric and yarn store insurance, there are a number of things that you need to keep in mind.

Do I Need Fabric and Yarn Store Insurance?

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If you own something along the lines of a fabric/yarn store, a hobby store, or a toy/craft store, then you need to have your insurance needs taken care of. More to the point, you need to have the proper insurance package in place. Generally speaking, insurance coverage for a retail location, such as a fabric and yarn store, is going to include the following:

  •  General liability.
  •  Building insurance.
  •  Business property/properties.
  •  Coverage for your inventory.
  •  Excess/umbrella liability.
  •  Workman comp.
  •  Commercial vehicle insurance.
  •  Special event coverage.
  •  Abuse/molestation.

Ultimately, in terms of getting insurance for your fabric/yarn store, you’re going to want to look for a company that offers personalized services. You want a company that has a formidable reputation in the insurance industry for working with businesses just like yours. This means looking for an insurance company that has experience with businesses similar in size and inventory to yours.

Things to Remember About Fabric/Yarn Store Insurance

Operating a yarn store or fabric store (or both) is something that can prove to be a great deal of fun. You will have the opportunity to run a store that sells items along the lines of yarn, threads, pattern books, crochet hooks, knitting needles, scrapbook supplies, jewelry accessories, and much more. However, while this can be an enormously satisfying career, there are also some challenges that you want to keep in mind. There are a number of liability possibilities that you need to think about.

For example, a customer could hurt themselves on one of the sharper items in the store. One of your employees could hurt themselves while restocking a shelf. You can even have items stolen from the store. In other words, a lot of things can happen. Insurance will simply make sure your business is protected, in the event that one of these things happens.

Simply put, a single accident can put your entire business at risk. In the event of an accident, you may find yourself subject to a lawsuit. According to Michael Daniel Rehm, a Sacramento Motorcycle Accident Attorney, if the lawsuit doesn’t go in your favor, you could find yourself losing a great deal of money. Worse yet, you could find yourself losing your entire business. A good insurance package from a reliable insurance provider can safeguard you from having to face such harrowing possibilities.

Getting Fabric or Yarn Store Insurance

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General liability insurance is perhaps the most important type of retail insurance there is. At the same time, you are going to want to learn more about all of the aspects of retail insurance coverage that were mentioned earlier in the article.

With general liability insurance, you’re protecting yourself on a variety of fronts. With comprehensive general liability insurance in place, you will have the ability to protect yourself from bodily injuries, property damages, personal injuries, and other possibilities. In many cases, a retailer such as yourself is going to look to combine general liability insurance with property insurance.

In the end, navigating the waters of retail insurance can be tricky for a first-timer. In order to make things as easy on yourself as possible, look for an insurance provider that is going to work with you on developing the package you need. Don’t be afraid to ask any questions that might come up, over the course of the process of putting together your package. Vandalism, employee theft, and customer theft are all things that you need to be protected from. When you understand all of the particulars of your insurance package, you will have a powerful peace of mind in place. Your business will be effectively protected.

The Basics of Quilt Making

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If you have ever wondered if making a quilt is right for you, keep in mind the following: Until you actually do some research, and perhaps, even give it a try, you’re not going to know for sure. This is a hobby that can appeal to individuals from all walks of life. If you’ve always been on the fence about trying it for yourself, now might be the time to change your mind.

When it comes to the basics of quilt making, there are several things that you are going to want to keep in mind.

Getting Started

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One of the great things about quilt making is the fact that it is pure creativity. There are literally hundreds and hundreds of quilts that you can make. As easily as you can find quilt projects for beginners, you can find quilt projects for more advanced skill levels. Furthermore, you should keep in mind that when it comes to creating quilts, there are very few actual rules that you have to deal with. What you have with quilt making are guidelines. There are very few rules that have to be followed without the slightest deviation. This is one of the main reasons as to why making quilts is such a popular, easy hobby to get into.

In terms of getting started, there are several things about making quilts that you are going to want to keep in mind.

A Few Things You Need To Know About Quilt Making

Don’t feel overwhelmed by the world of quilt making. Here are a few basics to help you get started:

  •  Find a way to make quilts that appeal to you: Some people still like to use templates, and then cut out everything they need with regular sewing scissors. However, experienced quilters will tell you that rotary cutting provides faster, more efficient cutting. Machine quilting is also a possibility that you may want to explore.
  • Learn the definitions: There are quite a few quilting definitions out there. The challenge on your end is to learn and apply these definitions. Backing refers to the bottom part of the quilt. Piecing involves sewing together your pieces of fabrics that will make your top layer. With seam allowances and quilting, you’re talking about 1/4 inch. These are just a few of the definitions that you’re going to come across.
  • Make sure you have a cutting mat: A good cutting mat is definitely the right way to go. With one of these mats, you’ll be able to get your perfect edges every single time.
  • Get the right ruler: Not every ruler is alike, when it comes to making quilts. You’re ideally going to want something that is extra-long and wide. A 5×24 ruler made from transparent plastic is a good way to go.
  • Get the rest of your essentials: Straight pins, safety pins, and seam rippers are just a few of the essentials you’re going to need.
  • Make sure you have the right threads: Cheap threads can break easily, and create lint when washed. There are tons of materials and colors out there. What you want to ultimately do is choose a high-quality cotton thread for a quilting project.

A Few More Things about Quilting to Keep In Mind

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Choosing your fabric may strike you as the most difficult element of making a quilt. There are thousands of possibilities to choose from. You can find quilts that are made of 100% cotton fabric. You can also find quilts that are made from polyester, or polyester/cotton blends. Ultimately, a good, basic quilt is going to involve choosing a number of different fabrics for your front, your border, in addition to your 1-2 fabrics for your quilt backing.

Ask yourself how many colors you would like to incorporate. How many differing patterns would you like to utilize? A combination of large/small patterns is generally a good idea, in addition to colors that work within the same family. You should also keep in mind that you can get really creative with your fabrics. For example, vintage tablecloths have been a popular quilt option for years.

Learn more about things like patchwork quilt block structure, accurate pressing, and whether or not something like sashing is right for you. And don’t forget to have fun!