Clothes Shop Insurance

Specialist Insurance for Clothing Retailers

Running a clothes shop involves more than just serving customers and curating fashion collections. Retailers face a wide range of risks, from theft and stock damage to customer injury and employee claims. Having the right clothes shop insurance in place could help safeguard your retail operations, support business continuity, and meet legal or contractual obligations.
START YOUR QUOTE CALL US
OR CALL 0330 054 0545
How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

Insurance Revolution's Reviews

Trustpilot

Why Choose Us for Clothes Shop Insurance?

Access to a wide range of specialist fashion and retail insurers
Tailored cover based on your shop activities
Flexible protection that can grow with your business
Dedicated customer service and claims assistance
Specialist support in understanding your risks
Affordable monthly payments
GET YOUR QUOTE NOW CALL US
OR CALL 0330 054 0545

What Is Clothes Shop Insurance?

Clothes shop insurance refers to a tailored combination of commercial covers designed to help protect retail clothing businesses from financial losses related to day-to-day trading. It could be suitable for independent boutiques, high street fashion shops, designer outlets, second-hand clothing stores, and online clothing retailers with physical premises.

Who Could Benefit from Clothes Shop Insurance?

This type of retail insurance may be suitable for:

  • Independent fashion retailers
  • Menswear and womenswear stores
  • Shoe shops and accessory retailers
  • Designer boutiques and high-end outlets
  • Vintage and second-hand clothing stores
  • Online fashion sellers with a physical retail unit

Whether you run a single location or operate multiple stores, tailored insurance can provide protection that aligns with the specific risks of your clothing business.

START YOUR QUOTE >

Key Covers Available for Clothes Shops

Public Liability Insurance

Could provide cover if a customer trips over a display unit or slips on a wet floor, resulting in injury. May also protect against accidental damage caused to third-party property.

Employers’ Liability Insurance

Often legally required in the UK for most businesses that employ staff. It can help cover claims made by employees who suffer injury or illness as a result of their work.

Stock and Inventory Insurance

Retailers often carry valuable stock on-site. This cover can protect garments, footwear, and accessories against risks such as fire, flooding, and theft.

Business Interruption Insurance

If a fire, flood, or other insured event prevents your business from operating, this cover may help with loss of income and ongoing costs during the downtime.

Contents and Shop Fixtures Cover

Can insure the physical contents of your shop including point-of-sale systems, rails, mirrors, mannequins, display furniture, and interior fittings.

Money Cover

Provides protection for cash held on-site or in transit to the bank. This could be essential for clothing retailers handling high volumes of cash transactions.

Goods in Transit Cover

If you deliver stock to customers or receive goods from suppliers, goods in transit cover can help protect those items while being transported.

FAQs

Running a fashion retail business comes with several risks. Without adequate protection, a single incident could result in unexpected costs or prolonged disruption. Insurance can help provide financial support when things go wrong, giving you the confidence to focus on trading and growing your business.

Insurance may be arranged to help:

  • Meet legal obligations (such as employers’ liability cover)
  • Fulfil lease or trading requirements
  • Provide peace of mind for staff and customers
  • Protect against loss, theft, or accidental damage
  • Support recovery from unforeseen disruption

The cost of cover can vary depending on factors such as:

  • Type and size of the shop
  • Shop location
  • Value of stock and contents
  • Number of employees
  • Annual turnover
  • Previous claims history
  • Chosen cover levels and excess amounts

As a broker, we can help source competitive quotes from a panel of UK insurers, tailoring the policy based on your individual risk profile and requirements.

By using a broker, you could benefit from:

  • Access to a broad market of UK commercial insurers
  • Cover tailored to your specific trading activities
  • Specialist support in understanding your risks
  • Help managing claims and renewals efficiently
  • Time-saving quote comparison

We work to help clothing retailers find suitable cover at a competitive rate, with as little disruption to their operations as possible.

Working with a broker may offer:

  • Access to a broad range of specialist insurers
  • Guidance on cover that aligns with your operations
  • Support in arranging or adjusting policies as your bakery evolves
  • Streamlined claims support if needed

Our role is to make the process of arranging bakery insurance simpler and more effective.

START YOUR QUOTE CALL US
OR CALL 0330 054 0545
START YOUR QUOTE OR CALL 0330 054 0545

Helpful Articles & Updates

Discover tailored insurance help and retail tips for boutique owners, including stock cover and liability advice.