Clothes Shop Insurance Cover & Prices

Q: Do I need clothes shop insurance?

.Insurance for clothes shops can cover a number of eventualities, from injury to weather events – all of which could impact your ability to trade. The right clothes shop insurance policy can safeguard your business to let you work without worry. You never know what is around the corner, so shop insurance should be a fundamental part of your business plan to ensure business continuity, should something unfortunate happen. If you employ a team, then you will need to take out employers' liability insurance to safeguard your employees against accidents at work.

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Insurance for clothes and fashion shops

Owning a clothes store is an exciting experience but time-consuming at the same time. You need clothes shop insurance that’s quick and easy to set up; to give you peace of mind should something go wrong.

Running a business is challenging and can leave little time for much else which is why we’ve made it easy to compare quotes from some of the UK’s leading insurers to make arranging your shop insurance simple and hassle-free.

We understand the time pressures of running a business and the importance of having the right protection in place for your business. Whether you’re running a boutique, a shoe shop, an independent clothes shop or even if you’re looking for e-commerce insurance, we can arrange tailored fashion shop insurance to let you work without worry.

Protecting your livelihood couldn’t be easier. If you know the covers you’re looking for you can compare quotes and protect your business online in a matter of minutes. If you’re looking for some professional guidance and advice then call and speak to our business insurance specialists who are on hand to help you find the right cover at the right price.

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If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.

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Clothes shop insurance cover in detail

What is clothes shop insurance?

As a shop owner, you will understand the multitude of risks of running a busy store. A high footfall of customers and high-value stock means clothes shop insurance must be a top priority. Clothes shop insurance can be tailored to include covers to protect against many of the risks associated with running your business to give you peace of mind allowing you to work without worry.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

Having your clothes shop open to the public means you need public liability insurance in case something unexpected happens. If a customer tripped and injured themselves as they entered your shop, they could be entitled to compensation. Without the right cover in place, you could be personally liable to foot the bill.

Employers' liability cover

Employers' liability insurance will typically protect your employees if they’re involved in an accident at work. Compensation claims can be costly and medical bills can escalate quickly.

Property covers

Running a clothing store means you will most likely have large amounts of valuable stock as well as rails, mannequins and display units to promote your products. You need to protect your business against fire, theft, flood and much more, so comprehensive clothes shop insurance is essential.

You never know what’s around the corner and if disaster strikes your livelihood could be significantly impacted. Be sure to include contents insurance to protect your assets, we can even include buildings insurance if you are responsible for insuring the premises.

Business interruption

Once you’ve considered your contents, stock and buildings cover, you should look into business interruption insurance. If disaster strikes leaving you unable to trade because of a fire or flood, for example, this invaluable cover will typically pay your fixed expenses and cover any loss of profit while you get back up and running. No one ever expects the worst to happen to them, but the consequences can be devastating. Business interruption can help tide you over and can even cover the cost of alternative premises to minimise disruption.

Commercial legal protection

Commercial legal protection will typically cover a number of defined events, from tax and VAT disputes to contract and employment disputes. It can also offer financial protection if someone takes you to court.

Clothes shop insurance FAQs

Do I need clothes shop insurance?

Insurance for clothes shops can cover a number of eventualities, from injury to weather events – all of which could impact your ability to trade. The right clothes shop insurance policy can safeguard your business to let you work without worry. You never know what is around the corner, so shop insurance should be a fundamental part of your business plan to ensure business continuity, should something unfortunate happen.

If you employ a team, then you will need to take out employers' liability insurance to safeguard your employees against accidents at work.

What covers do clothes shops need?

At Premierline, we offer flexible clothes shop insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your clothes shop, you should consider the following:

Public liability – for injured shop visitors or damage to their property.
Employers' liability – to protect your shop employees.
Buildings cover – to cover for loss or damage to your shop premises.
Equipment, contents and stock – to reinstate your items and belongings.
Business interruption – to keep finances running when disaster strikes.
Money cover – for theft or attempted theft.
Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.

More information

How much does clothes shop insurance cost?

The cost of your clothes shop insurance will depend on your shop activities, the location of your business and the amount and type of covers you require to protect your shop. Like any other insurance, generally the more cover you require the higher the premium.

The value you gain from having the right cover in place is a huge benefit to your business. A shop insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope you will never need to call on.

Why choose Premierline to arrange clothes shop insurance?

We arrange clothes shop insurance that’s tailored to you by comparing quotes from some of the UK’s leading insurers. We’re committed to finding an insurance solution to fit your business, and ensure you get quality cover minus the hassle.

What type of clothes shops do Premierline work with?

As a business insurance broker, we can source insurance for a range of different clothes shop businesses. Such as:

High-end fashion boutiques
Fast fashion shops
Sports clothing stores
Children and kids clothing shops
Department stores
Outlet stores

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're Shop Insurance Experts

We understand the nature of running your shop often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your retail insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Great service. Friendly and helpful staff who understood my needs and got me a good price for my shop policy.”

Household Goods Retailer

Customer since October 2023

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.

Don't just take our word for it, read more of our customer testimonials and reviews.

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Speak to a clothes shop insurance expert

Arranging your clothes shop insurance doesn’t have to be time-consuming. We understand that time is precious when you're running your own business so we’ve made it easy to compare quotes from some of the UK’s leading insurers to make arranging your retailer insurance simple and hassle-free. If you know the covers you need you can protect your business online in a matter of minutes. If you’re unsure and looking for some guidance our expert advisors are on hand to provide professional recommendations based on your individual needs. Call us today.