Clothing Store Insurance

Clothing store insurance designed to protect your business

Next Insurance is a one-stop shop to help you get the clothing store insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability

Commercial auto

Workers’ compensation

Commercial property

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We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for clothing stores and save up to 10% when you bundle.

General Liability

Bought by 95% of business owners like you

General liability insurance covers the risks that affect almost every clothing store business. It's the most common insurance for small businesses and entrepreneurs, and it’s typically the first policy purchased by new businesses.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

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Commercial Auto

For business owners who own or drive vehicles

Whether your car is essential for your daily operations or a vehicle you only occasionally use for work, you need a commercial auto insurance policy customized for your clothing store business. Most states require that your business-owned vehicles are insured for certain types of accidents with commercial auto coverage.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

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Workers' Compensation

For business owners who hire employees

Workers' compensation insurance helps to make sure workers are taken care of if they're hurt on the job, while also protecting clothing store business owners from significant financial losses after an accident. It's legally required in most states for businesses with employees.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

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Commercial Property

For business owners who own or rent physical spaces

Commercial property coverage helps protect almost all of the physical items you need to run your clothing store, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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How much does clothing store insurance cost?

Clothing store insurance costs vary based on the risks that your business faces, such as:

The types of activities or projects you work on

Where your business is located

Your payroll and the kinds of jobs your employees do

The number and types of vehicles you use at work

You can save up to 30%, depending on the kind of work you do. More risky professions can expect to pay more.

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Clothing store insurance requirements

Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

Get a business license in your state. It’s a good idea to check if you need a license in your state in order to get insurance.
Hire employees. Most states require workers’ compensation insurance if you have employees.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

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Frequently asked questions about clothing store business insurance

Here are some of the most common questions we get about clothing store business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer general liability coverage for clothing shops?

Yes, NEXT Insurance offers general liability, commercial auto, workers' compensation and commercial property insurance coverage for clothing stores.

Does NEXT Insurance offer commercial property coverage for clothing stores?

Yes, NEXT Insurance offers commercial property insurance, general liability, commercial auto and workers' compensation insurance coverage for clothing shops.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details. If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?” If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

Clothing Store Insurance

Clothing store insurance designed to protect your business

Save up to 30% on clothing store insurance