Business Insurance for Clothing Stores

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Clothes hang on a shelf in a designer clothes store.
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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 15-minute application is all it takes.

What types of business insurance do clothing stores need?

These policies provide coverage for common risks facing 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
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for clothing stores that have employees. It can cover medical costs for work-related injuries.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Umbrella / excess liability insurance icon

Umbrella / excess liability insurance

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

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Looking for different coverage? See more policies.

How much does insurance cost for retail businesses?

Woman with clipboard calculating cost of insurance for her retail business.

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

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