Business Insurance for Clothing Stores

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Save money by comparing insurance quotes for clothing stores

Every time a customer enters your clothing store, your business is vulnerable to losses and lawsuits. Clothing store insurance can protect against theft, liability claims, and more.

Clothes and boot on display at a clothing store.
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Compare quotes from top carriers

With Insureon, clothing stores can compare insurance quotes from top U.S. carriers online. One easy application is all it takes.

What types of business insurance do clothing stores need?

These policies cover common risks faced by retail clothing stores.

Business owner’s policy icon

Business owner's policy

This policy bundles commercial property and general liability insurance in one plan. A BOP is often the most cost-effective type of commercial insurance for clothing stores.

  • Customer injuries
  • Stolen or damaged inventory
  • Business interruption incidents
General liability insurance icon

General liability insurance

This policy covers basic clothing store risks, such as a customer injured by a broken clothing rack. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for clothing stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

This policy helps clothing stores survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.

  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Once a clothing store’s policy limit is reached, commercial umbrella insurance boosts coverage on general liability, commercial auto, or employer’s liability insurance policies.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance is usually required for business-owned vehicles. It covers costs if your mobile boutique truck, delivery van, or other vehicle gets into an accident.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

Why do clothing stores need insurance?

Without a risk management plan, your clothing store may have to pay out of pocket for losses. Clothing store insurance can cover costs related to theft, lawsuits, and injuries. That means you won’t have to drain your bank account on an unanticipated expense like legal bills.

How much does insurance cost for retail businesses?

Retailer with a clipboard calculating the cost of business insurance.

Several factors will have an impact on insurance costs, including:

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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