Clothing Store Insurance

Retail clothing store insurance tailored to your business needs

Running a clothing boutique is full of exciting opportunities, but it also comes with unique challenges. You need the right business insurance to help protect your store from unexpected events so you can focus on serving your customers and growing your shop.

Progressive Commercial has over 50 years of experience helping companies like yours. Learn more about clothing store and boutique insurance and find out how we can connect you with the coverages you need.

What is clothing store insurance?

Clothing store insurance, or boutique insurance, is tailored business coverage for clothing retailers. You can get protection for various aspects of your business, including:

• Workplace accidents
• Commercial space
• Customer injuries
• Product inventory
• Company vehicles

Our business insurance experts can help you find the perfect fit for your clothing shop. Give us a call or start an online quote to explore your coverage options.

Why retail clothing store insurance is important

Clothing store insurance is important because it provides a financial safety net for your business. For example, if some of your inventory is stolen, boutique insurance can help cover replacement costs so you don't have to pay out of pocket.

Insurance also offers valuable protection for your physical store. As a result, some property owners require tenants to carry commercial property insurance as a lease condition. You can prove your coverage with a certificate of insurance (COI), which lists the details of your policy.

Who needs clothing boutique insurance?

Clothing store insurance benefits a wide variety of clothing-related businesses, such as:

• Used clothing stores
• Consignment shops
• Wedding dress shops
• Menswear stores
• Resale businesses
• Maternity stores
• Sportswear businesses
• Custom tailors

Whether you run an LLC, operate a small shop as a sole proprietorship, or work for a new startup, clothing store insurance can keep you financially protected.

Types of insurance for a clothing store

From trendy streetwear shops to high-fashion boutiques, if you're in the business of selling clothing, you should consider specific insurance to keep your store protected. Explore common coverages and personalize a policy today.

General liability (GL)

General liability insurance can protect your business if it causes property damage or bodily injury to others. It also has coverage for personal and advertising injury, like slander or libel. Explore all the benefits of GL and what general liability costs.

Example: A customer slips and falls in your store and hurts themselves. General liability insurance could pay for their medical expenses and cover related legal costs.

Business owners policy (BOP)

A business owners policy pairs liability insurance with commercial property coverage. It can protect your buildings and business personal property against theft, vandalism, and other covered incidents. Explore our BOP coverage guide to learn about additional protections like miscellaneous professional liability and employment practices liability.

Example: A fire damages your shop, ruining merchandise and furnishings. A BOP can cover the cost of cleanup, repairs, and replacement of lost inventory.

Commercial auto

Depending on your policy, commercial auto insurance can protect your business vehicles, drivers, and the goods they transport. Minimum commercial auto insurance requirements vary by state, so be sure to check what's needed where you live. Other commercial auto coverages can expand protection to collisions, theft, and vandalism.

Example: While delivering a new line of clothing to your pop-up shop, your van collides with another car. Vehicle liability coverage on your commercial auto policy could cover injuries to the other driver and damage to their vehicle.

Workers' compensation

Businesses with employees usually need workers' compensation coverage, which pays for medical bills and lost wages when employees are injured on the job. The cost of workers' comp is related to various factors, including your profession, the number of employees you have, and where your business is located. Explore workers' comp requirements in your state.

Example: While opening boxes of new merchandise, an employee accidentally slices their hand with a box cutter. Workers' comp can help cover their medical bills and lost wages as they recover.

Cyber

Businesses that store sensitive content, like customer credit card information or delivery addresses, should consider cyber insurance. This coverage can help pay for legal fees, investigations, and data recovery in case your records are compromised. Learn more about what cyber insurance covers and what a cyber policy costs.

Example: A third-party platform you use for shipping goods experiences a data breach, potentially exposing your customers' personal information. Cyber insurance can help with credit monitoring, customer notification, data restoration, and other expenses.

How much does insurance for a clothing store cost?

Insurance premiums for clothing stores aren't one-size-fits-all. The amount you'll pay is based on certain risk factors, such as:

• Number of employees
• Coverage limits
• Revenue
• Claims history
• Location

Learn more about the cost of business insurance. If you have business vehicles and a BOP or GL policy, you can save on commercial auto insurance rates with a multi-product discount.

Clothing store insurance through Progressive Commercial

Our wide range of flexible coverages make it easy to get a policy that's right for you. When you're ready, you can start a quote online or call our knowledgeable team. We'll help you find insurance designed for you and make sure you have the support you need to move forward with confidence.

More information

• Steps for insuring your retail business
• What's needed for a retail insurance quote
• Workers' comp insurance by state
• What types of business insurance do you need?