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Why do clothing stores need insurance?
Burglary is a common threat for retailers, which makes insurance crucial for clothing shops and boutiques. Business insurance covers unexpected costs from robberies, customer accidents, fires, and employee injuries. Some policies, such as workers' compensation, may be required by law.
Find affordable coverage
Small business owners can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes for your clothing store and advice from a licensed agent.
What types of business insurance do clothing stores and boutiques need?
These insurance policies cover common risks faced by retail clothing stores.
Business owner's policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a clothing store.
BEST FOR
- Customer injuries
- Stolen or damaged inventory
- Business interruption insurance
General liability insurance
This type of retail insurance covers basic risks, such as a customer injured by a broken clothing rack at your boutique. Bundle it with property coverage for savings in a business owner’s policy.
BEST FOR
- Medical bills from customer accidents
- Damaged customer property
- Product liability insurance
Workers’ compensation insurance
Most states require workers' compensation coverage for apparel stores with employees. It also protects sole proprietors from work injury costs denied by health insurance.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Cyber insurance
This type of coverage helps clothing stores recover from data breaches and cyberattacks. It's recommended for any business that stores credit card numbers or other sensitive data.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyberextortion demands
Commercial umbrella insurance
Once your store’s policy limit is reached, commercial umbrella insurance boosts coverage on general liability, commercial auto, or employer’s liability insurance policies.
BEST FOR
- Bodily injury lawsuits
- Property damage claims
- Auto accident lawsuits
Commercial auto insurance
This policy is usually required for business-owned vehicles. It covers financial losses if your mobile boutique truck, delivery van, or other vehicle gets into an accident.
BEST FOR
- Damage to another vehicle
- Injuries caused to another person
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does insurance cost for clothing stores or boutiques?
A small clothing boutique will pay less for insurance than a larger retailer.
Factors that affect premiums include:
- Retail services and products offered, such as clothing for children and adults
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get clothing store insurance?
It's easy to get clothing store business insurance or thrift shop insurance if you have your company information on hand. Our application will ask for basic facts about your retail store, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right business insurance coverage for your shop, whether it’s an online clothing store or a retail storefront.
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