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.

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

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.

BEST FOR

Customer injuries
Stolen or damaged inventory
Business interruption incidents

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.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits

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.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

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.

BEST FOR

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

View Costs

What our customers are saying

"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"

Jessica Shannon

Customer since 2016

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.

Compare insurance quotes for clothing stores

Save money by comparing insurance quotes from multiple carriers.