Business Insurance for Clothing Stores

Compare multiple quotes from top carriers with one application.
What kind of work do you do?
Shirts hanging on a rack in a designer clothing store.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

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.
Compare insurance quotes icon

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
  • Product liability insurance
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

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
What our customers are saying
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Insureon customer reviews on Feefo
Compare insurance quotes for clothing stores
Save money by comparing insurance quotes from multiple carriers.
What kind of work do you do?