Clothing and apparel store insurance
Clothing and apparel store insurance
One application, multiple quotes.
All in one place.
Essential protection
From
$47.92
/month*
Could help cover incidents like a customer slipping on a wet floor, or damage to your equipment from a fire.
What’s included:
Business Owners’ Policy
Coverage limits: Up to $1M†
Get multiple quotes in less than 10 mins
Essential protection
From
$47.92
/month*
Could help cover incidents like a customer slipping on a wet floor, or damage to your equipment from a fire.
What’s included:
Business Owners’ Policy
Coverage limits: Up to $1M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
Why Does a Clothing and Apparel Store Need Insurance?
As a clothing store owner, you’re constantly balancing style and logistics — keeping customers happy, racks full, and inventory protected. But in a busy store, mishaps can be part of the daily grind. If a shopper slips in the aisle or a burst pipe soaks your inventory, retail business insurance can help protect your bottom line, so one incident doesn’t unravel everything you’ve built.
Below are some of the most common types of insurance policies that clothing store owners typically buy.
What Type of Clothing and Apparel Store Business Insurance Do I Need?
Business Owner’s Policy (BOP)
From
$47.92
/month*
General liability, property insurance, and more all in one convenient package.
General Liability Insurance
From
$20.75
/month*
Foundational insurance coverage for a clothing and apparel store to help handle costs from third-party accidents, property damage, and bodily injury.
Workers’ Comp Insurance
From
$38.91
/month*
Coverage to help take care of employees who get sick or injured on the job. Most states require this for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
Equipment and Business Property
From
$20.83
/month†
Also known as business personal property, this coverage can financially protect equipment, furniture, fixtures, and inventory that you own, use, or rent inside your workspace.
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What Does Clothing Store Insurance Cover?
Retail can turn on a dime — one small slip, a leak, or a lifting injury can disrupt your operations fast. Here’s how clothing store insurance can help protect you from these common risks:
Customer injuries
A customer slips near a display and takes a hard fall, claiming your store was not maintained safely. A general liability policy could help cover their medical expenses and legal costs if you’re held responsible.
Coverage for your inventory
While a BOP can cover the physical building, renters often choose equipment and business property insurance, also known as business personal property (BPP) insurance. Think of BPP as coverage for the “stuff” inside your store or online shop warehouse – your inventory, displays, and equipment. BPP insurance can be added to your general liability policy to help protect these assets, and can reimburse you for the wholesale cost to replace your stock if it’s damaged or stolen.
Protection for your business property
A burst pipe leaks overnight and ruins your designer silk dresses. Beyond the destroyed stock, the water soaks your racks and check-out area, forcing you to close for repairs. A Business Owner’s Policy (BOP) bundles general liability, commercial property protection, and business interruption coverage to help pay for damages, repairs, and lost income so you can get back to work quickly.
Many clothing store owners choose a BOP because it offers more protection than a stand-alone general liability policy without costing much more — a great option if you’re established or planning to grow.
Care for sick or injured employees
An employee strains their back while unloading a shipment in the stockroom. Workers’ compensation insurance can help cover their medical bills and provide wage replacement as they recover.
Workers’ comp is often legally required and can protect your business from costly claims, as well as taking care of your crew if they get sick or injured on the job. Even if you operate solo, we recommend workers’ comp insurance, since many health insurance policies won’t cover work-related injuries. Depending on your jurisdiction, solo owners may need to specifically opt-in via a “Sole Proprietor Inclusion” endorsement to ensure they are covered.
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Why Clothing and Apparel Store Owners Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your clothing store.
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Answers to More Questions About Clothing Store Insurance
What is clothing store insurance?
Clothing store insurance is a collection of policies that clothing store owners typically purchase.
Do I need insurance as a clothing store owner?
Most states require you to carry Workers’ Compensation Insurance if you have employees. There also may be licensing requirements for certain liability coverages. We recommend checking with your state and local governments for clothing store insurance requirements.
What determines the cost of clothing store insurance?
The cost for your insurance coverage is determined by:
- The type of work you do
- Where your business is located
- Your annual revenue
- The types of policies and coverage limits you choose
- Peak season variations — inventory values can triple during busy months and holidays, requiring coverage that scales to match those higher stock levels.
Other factors can include your claims history and how long you’ve been in business.
What should I consider before buying clothing store insurance?
If you’re thinking of buying clothing store insurance, we recommend having the following information on hand when using our clothing store insurance estimate calculator:
- The state where you do business
- Your type of business or trade
- Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers.
Does my insurance cover inventory that’s stolen during a smash-and-grab?
A Business Owner’s Policy (BOP) or commercial property protection typically covers theft and the resulting damage to your storefront such as broken glass or damaged doors. Because a “smash-and-grab” — where someone quickly breaks a window or door to steal items — can result in a significant loss of inventory, it’s a good idea to ensure your coverage limits reflect your current stock levels.
For clothing store retailers whose inventory fluctuates throughout the year, some policies include a “Peak Season” provision. This can increase your inventory coverage limits during your busiest months, ensuring you’re fully protected during high-volume sales periods without paying for unneeded coverage year-round.
Am I covered if a customer claims they had an allergic reaction to a garment’s fabric?
If a customer experiences a skin reaction or injury from a product you sold, your general liability policy can help cover medical costs and legal fees up to your coverage limits.
Do I need different insurance if I host pop-up shops or fashion shows?
It depends on the venue, but most “off-site” events require a Certificate of Insurance (COI) to prove you’re covered. Simply Business provides instant digital certificate of insurance access through your online account any time of day.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between January–June 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.