Cover for all business types
Selling clothing comes with its own set of risks, from customer accidents and stock theft to water damage and business disruption. Whether you run a boutique, a fashion franchise or a general clothing shop, some forms of insurance are legally required, e.g. employers liability insurance if you have employees, and other covers are widely recommended.
Clothes shop insurance is built to protect your premises, people and products. From accidental damage to injury claims, your policy can help cover unexpected costs and keep your business trading even after a setback.
What does clothes shop insurance usually cover
A tailored policy can include:
- Public liability insurance in case a customer slips, trips or is injured on your premises.
- Employer’s liability insurance if you have staff, whether full time, part time or seasonal.
- Stock and contents insurance for clothing, displays, point-of-sale equipment and fittings.
- Business interruption cover if a fire, flood or break-in forces you to close temporarily.
- Money cover for cash held on site or in transit to the bank.
- Equipment breakdown cover for card machines, tills or shop security systems.
You can also add cover for shopfront signage, external displays and seasonal stock increases if your shop gets busier during certain times of year.
What types of clothing businesses can be covered
Clothes shop insurance is available for a wide range of retail setups, including:
- Independent fashion boutiques
- Streetwear and urban clothing shops
- Designer or high-end retailers
- Discount clothing stores
- Uniform or workwear suppliers
- Children’s clothing stores
- Shops with online and physical sales channels
Clothes Store Insurance FAQs
Do I need insurance if I rent my retail space?
Yes. Even if you lease the premises, you are responsible for your stock, liabilities and any damage you or your staff cause inside the shop.
Can I insure high-value or designer stock?
Yes. You’ll just need to declare it when you request a quote so the insurer can set appropriate limits and premiums.
Does the policy cover fitting rooms and mirrors?
Yes. Fixtures, fittings and shop furniture can be included in your contents cover.
What if I also sell clothes online?
That’s fine. Just mention it when getting a quote, you can still be covered for in-store and online sales, including packaging areas.
Is cover available for multiple locations?
Yes. If you run more than one shop, your policy can cover them all under a single agreement or separate locations as needed.
Can I get cover for pop-ups or temporary retail spaces?
Yes. Temporary shops or seasonal retail setups can be insured, either as standalone policies or add-ons to your main cover.
