Burglary is a common threat for retailers, which makes insurance crucial for clothing shops. Small business insurance covers unexpected costs from robberies, lawsuits from customer accidents, fires, and employee injuries. Some policies, such as workers' compensation, may be required by law.
These insurance policies cover common risks faced by retail clothing stores.
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a clothing store.
This type of retail insurance covers basic clothing store risks, such as a customer injured by a broken clothing rack. Bundle it with property coverage for savings in a business owner’s policy.
Most states require workers' compensation coverage for apparel stores with employees. It also protects sole proprietors from work injury costs denied by health insurance.
This type of coverage helps clothing stores recover from data breaches and cyberattacks. It's recommended for any business that stores credit card numbers or other sensitive data.
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.
This policy is usually required for business-owned vehicles. It covers financial losses if your mobile boutique truck, delivery van, or other vehicle gets into an accident.
It's easy to get clothing store business insurance or thrift shop insurance if you have your company information on hand. Our application will ask for basic facts about your retail store, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right business insurance coverage for your shop, whether it’s an online clothing store or a retail storefront.