Clothing Store Insurance
Save up to 25% on clothes shop insurance.*
Choose your primary coverage to get started:
Clothing store insurance can help protect you from
The costs of injuries and accidents inside your shop
A customer or a delivery driver trips and gets hurt in your store, and you’re asked to cover the expenses of their medical bills.**
Theft and vandalism costs
Your business has smashed windows, a broken door and stolen stock. You need help to cover costs.
Damage costs from fire or extreme weather
A fire blazes your shop, a hail storm cracks your plate glass window, or a burst water pipe drenches your retail space, including clothes, computers, POS systems, furniture, flooring and lighting.
Lost business income
If you need to close for repairs after a covered event, your business insurance could help cover your financial losses.
Product liability expenses
A customer claims that a product you make or sell harmed their health or damaged their property. They ask you to cover the costs and take legal action against you.
Get clothing store insurance that’s fast, flexible and convenient
Whether you own a clothes store, boutique, vintage shop or used clothing store, clothing store insurance can help protect your business and employees from unexpected events.
ERGO NEXT makes it easy to:
- Check prices, get covered and buy 100% online in about 10 minutes.
- Manage your policy 24/7 via web or mobile app.
- Pay monthly or annually and cancel anytime.
- Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
ERGO NEXT specializes in business insurance for clothing stores
Retail clothing store insurance typically includes several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:
General Liability insurance for clothing stores
Protection for damage to other people's property and injuries to non-employees
general liability can help you pay for:
Workers’ Compensation insurance
Required in most states for employees who suffer work-related illnesses or injuries
workers compensation can help you pay for:
Commercial Property insurance
Protect your shop and its contents, including inventory, equipment and in-store fixtures
commercial property can help you pay for:
Product Liability insurance
Coverage for clothing stores that sell apparel, footwear and accessories
product liability can help you pay for:
Save up to 25% on clothing store insurance
Pay monthly or annually, and you can cancel at any time.
How much does clothing store insurance cost?
Clothing store insurance can be more affordable than you might think. The cost depends on several factors, including:
- The size and type of your clothing store.
- The products you sell, such as apparel, seasonal merchandise or fashion accessories.
- Your business location.
- Your number of employees.
- Your annual revenue.
- The coverage limits and deductible you choose.
- Your insurance claims history.
The best way to see exactly what you’ll pay for clothing store insurance is to get a free, no-obligation quote. In about 10 minutes, you can see the cost of customized coverage for your business.
How can insurance for clothing stores help your business?
Clothes shop insurance could your business to:
- Lease a commercial space. Landlords and lessors often require business insurance before you can lease a retail storefront.
- Protect your shop, products and inventory. Business insurance could help protect the retail space you own or lease from things like fire, theft or vandalism. It can also cover the contents of your store, such as clothing inventory, display racks and shelving, POS systems and laptops and other business property if it’s damaged by a covered event.
- Hire employees. Most states require workers’ comp insurance for clothing shops with employees.
- Deal with product liability issues. If the clothing, footwear, jewelry or other items you make or sell cause an allergic reaction or another bodily injury, or if it causes property damage for a customer and you’re asked to cover the costs, product liability coverage may help with expenses.
- Handle liability claims. Liability coverage can help protect you if a customer is injured at your clothing store or if your business accidentally damages someone else’s property.
- Recover from cyber incidents. If a cyberattack, data breach or ransomware incident disrupts your online store or compromises stored customer data, cyber liability insurance may help with covered expenses.
Clothing store insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
Can I get business insurance if I have an online clothing store?
Whether you run a brick-and-mortar clothing boutique, vintage shop, used clothing store or sell online, you can customize your business insurance to help protect your business operations.
Does clothing store insurance cover inventory?
Commercial property insurance could help protect covered business property, including clothing inventory and the equipment you use to run your operations, if they're damaged by a covered event like a burglary or a fire.
Does clothing store insurance cover pop-up shops or vendor events?
If you sell clothing at pop-up shops, markets or other temporary events, your insurance needs may differ depending on how and where you operate. Review your policy to understand what coverage may apply. And ask the event organizers about which types of business insurance coverage may be required.
How can I get a certificate of insurance (COI)?
What do I need to get an insurance quote online?
How do you file an insurance claim with ERGO NEXT?
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
