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.
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Why Do I Need Clothing Store 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)
General liability, property insurance, and more all in one convenient package.
From
$47.92
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Equipment and Business Property
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
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:
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.
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.
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.
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.
What Does Clothing Store Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Clothing Store Insurance Coverage Questions
Clothing store insurance is a collection of policies that clothing store owners typically purchase.
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.
- 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.
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.
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.
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.
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.
Why Small Businesses 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 business.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
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We’ve Got More Helpful Information
9-minute read
A General Liability Insurance Guide for Small Business
*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 July–December 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.
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