Clothing Store Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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Clothing store insurance can help protect you from:

Theft

Your business is burglarized overnight and inventory was stolen. You need to replace it — fast.

Product liability

A customer claims a sweater you sold was treated with a chemical that caused an allergic reaction.

Advertising injury

A competitor sues you claiming that you copied the "look and feel" of their product listing.

Cyber

Criminals hack your store's site, and now your customers' payment information is compromised.

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

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 two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

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

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

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

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

What customers say about us

Amazing customer service !

TENSAE H.

Awesome rates

Laxmi A.

Insurance Made Easy

Simple process, less the hassle… less the dollars.

Kathy B.

Great communication.

Danny K.

Affordable.

Danny L.

Highly recommend

Very helpful customer service

Lashaunda M.

Amazing customer service !

TENSAE H.

Awesome rates

Laxmi A.

Insurance Made Easy

Simple process, less the hassle… less the dollars.

Kathy B.

Great communication.

Danny K.

You can save up to 25% in discounts on clothing store insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does clothing store insurance cost?

Clothing shop 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 25% in discounts, depending on the kind of work you do. More risky professions can expect to pay more.

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.