Retail Clothing Store Insurance

retail clothing store insurance

Custom-Tailored Clothing Insurance for Boutiques

Running retail stores takes a lot of hard work, especially for small business owners. We know the challenges you face and the risks you take to run your boutique. And our clothes shop insurance offers the protection you need to keep it running successfully.
retail clothing store insurance

Do You Need Insurance for a Clothing Business?

Whether you have an online clothing business or a brick-and-mortar store, insurance is an important part of your success. Finding the right type of insurance that protects your business starts with finding a company that knows your needs. We’re proud to offer clothes shop insurance that can be customized for every type of clothing shop – from bridal shop owners to specialty sellers and even seamstresses.
We know retail shops like yours face unique risks. We can help you customize your seguro de negocio coverages to fit your needs. Get a retail clothing store insurance quote  hoy mismo.
mobile boutique insurance

Who Needs Boutique Insurance?

Nuestra página retail insurance can help protect:
  • Women’s clothing stores
  • Boutiques
  • Bridal shops
  • Dress shops
  • Women’s sportswear shops
  • Maternity wear stores
  • Ready-to-wear apparel shops
  • Teenage apparel stores
clothing insurance

How Much Is Insurance for a Clothing Store?

Insurance costs for a clothing store vary. Our customers paid an average cost of $85 a month for a Business Owner’s Policy.1 Retail store insurance costs can depend on the:
  • Number of employees
  • Lugar
  • Revenue
  • Policy details
The best way to find out how much insurance will cost is to get a retail clothing store insurance quote.

What Insurance Does a Clothing Store Need?

Many clothing store owners start with a Business Owner’s Policy (BOP). It bundles three essential types of coverage:
  • General liability insurance to help protect your business from claims that it caused bodily injury or property damage to others.
  • Commercial property insurance, which helps protect the owned or rented building, tools, equipment, inventory and clothes stored that you use to operate your clothing store.
  • Business income insurance, also known as business interruption insurance, to help replace your lost income if you can’t operate because of covered property loss.

Protect Your Retail Clothing Store Operations

Most retail stores rely on their social media accounts and websites to bring in sales. If you have either, you’ll want to make sure you have the right type of insurance to protect your business.
The number of annual credential spill incidents nearly doubled from 2016 to 2020.2
shop insurance

Computer Virus

“One of my employees opened a file in an email she thought was from a vendor. It turned out to be a hacker and my entire system was overrun by a virus that stole my customers’ information”
Data breach insurance helps your clothing store respond to a breach if personally identifiable information gets lost or stolen. Some insurers call this coverage cyber liability insurance.
clothing store insurance cost

Employee Theft

“I hire holiday help every winter. Last December, I realized my numbers were a lot lower than usual. Turns out my temp cashier was pocketing cash during her shifts.”
Employee dishonesty coverage provides coverage for financial losses if one of your employees steals money, securities or other business-owned property.

Protect Your Clothing Store Team

As a small business owner, you rely on your retail workers to keep your shop running smoothly. That’s why it’s so important to have the right types of insurance. Finding these coverages won’t just protect your business and employees, it will give you the peace of mind you need.
There were 6,600 nonfatal injuries and illnesses in the clothing and clothing accessories stores industry in 2020.3
workers' comp insurance for retail

Worker Accident

“We switch up our floor plan once a month, which requires carrying heavy boxes of inventory. When my employee bent over to lift a box off the floor, his back went out, and he ended up needing physical therapy.”
Workers’ compensation insurance can help employees with work-related injuries or illnesses recover.
clothing store insurance

Car Accident

“My employees rarely have to drive while on the clock. However, when we ran out of change one day, one of them had to go to the bank. He had to drive the store van and on the way there, he rear-ended another car, causing thousands in damage.”
Commercial auto insurance can help protect you and your employees on the road while driving a business-owned vehicle for work.

Protect Your Clothing Store’s Property

You work hard to keep your store running successfully. From all the inventory you organize to everything behind the scenes that you manage, you want to make sure your small business’ property is protected. We know the risks that retail stores face every day, that’s why we offer insurance coverage to help protect your business and the products you sell.
Three in four organized retail crime victims saw an increase in activity in 2020.4
retail property insurance

Fire Damage

“Our entire strip mall caught on fire because of one faulty heater. Because of my franchise contract, I had to make a ton of updates to make my store current, which totally exceeded my budget.”
Franchise upgrade coverage helps pay additional costs that franchisees may incur to upgrade damaged property to franchise standards following a covered loss.
Lawyer professional liability insurance cost

Customer Accident

“During a solo shift, my cashier left a ladder up while he helped a customer. Before anyone noticed, a child climbed to the top and fell off, breaking his leg.”
General liability coverage can help if a customer gets hurt in your store. Our policy also includes product liability coverage in case your clothes or items hurt someone else or damage their belongings.

Find the Best Insurance for Your Clothes Shop

Whether you own a bridal shop, clothing boutique or even a sports apparel store, you face risks every day. We know what you’re up against. Our customizable coverages were made to help protect the small business you’ve worked so hard to build.
Find out more about other retail businesses we insure:
retail clothing store insurance

Retail Clothing Store Insurance That Has Your Back

Get the insurance coverage you need to keep your clothes shop protected.
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Last Updated: November 17, 2023
1 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
2 f5, “Credential Spill Incidents Double as Hacker Sophistication Continues to Rise”
3 U.S. Bureau of Labor Statistics, “Numbers of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2020”
4 National Retail Federation, “2020 Organized Retail Crime Survey”
Divulgaciones adicionales a continuación.
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* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.