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Clothing Store Insurance

Affordable Protection for Your Clothing & Apparel Store

Simply Business is pleased to provide tailored insurance options from:

Acadia logo.
ABIC logo.
CNA logo.
Harborway logo.
Hiscox logo.
Markel logo.
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Clothing Store Insurance That’s Made Just for You

When customers want to rock an #OOTD, they come straight to your clothing store. Whether you sell upscale investment pieces or the latest trends, your clothing store represents your passion for fashion, your obsession with great customer service, and years of hard work.

That’s why Simply Business wants to protect your clothing store with tailored business insurance!

Simply Business can help you find and buy clothing store insurance in just minutes, so you can get back to your business faster. Plus, our clothing store insurance policies are built around the needs of apparel store owners like you, so you don’t have to worry if you have the right protection.

What Insurance Do Clothing Stores Need?

As a clothing store owner, you need an insurance policy that protects your business’s “stuff,” like your merchandise, equipment, etc. Plus, you need insurance that provides you with protection in case a customer ends up hurting themselves as a result of your business. If you don’t have this kind of insurance protection, you could end up paying claims and legal costs out of your own pocket.

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Need more detail? Read our FAQs:

Coverage Type

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General Liability Insurance for Clothing Stores

General liability insurance — which is sometimes referred to as commercial general liability (CGL) insurance — can cover the costs associated with accidents and property damage that may happen in your store or at third-party sites.

General liability can also include contents coverage (GL+), which can cover the equipment and merchandise you keep at your clothing store.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your personal property
  • Professional services
  • Workers compensation or injury to your employees
  • And more

Learn more about General Liability Insurance.

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Professional Liability Insurance for Clothing Stores

Professional Liability insurance provides coverage in the event a customer accuses your clothing store of negligence. For example, if a customer claims that a product you sold ended up causing them financial damage, your professional liability insurance may cover resulting legal costs.

Some clothing stores may find that they need a professional liability policy in addition to general liability coverage. If you’re not sure what you need, don’t worry: Our licensed insurance agents can help you determine which exact policies you need based on your store’s needs.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Patents and trade secrets
  • And more

Learn more about Professional Liability Insurance.

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Workers Compensation Insurance for Clothing Stores

If you have full-time or part-time employees, you may be legally required to take out a workers compensation insurance policy. If an employee gets sick or injured while working for you, this coverage can provide your clothing store with financial protection.

Most states require businesses to carry this coverage as soon as you hire your first employee (regardless of whether they work part-time or full-time), so if this applies to you, be sure to add it to your insurance coverage.

Workers compensation insurance usually covers:

  • Medical Payments
  • Lost Wages
  • Rehabilitation expenses
  • Death Benefits

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How Much Does Clothing Store Insurance Cost?

While no two clothing stores are alike, you can get a good idea for what you may pay for clothing store insurance based on:

  • The number of full-time and part-time employees who work for you
  • Your business location
  • What you sell
  • And more

Want to find out how much your clothing store insurance may cost?

Click here to answer a couple of questions so we can help you learn how much you can expect to pay for your clothing store insurance.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Please be advised that insurance coverage cannot be added, deleted or otherwise changed until it is confirmed in writing by Simply Business or your insurance carrier. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.