Running a clothing shop involves more than just selling stock. From customers visiting your premises to theft, vandalism, staff injuries and online sales risks, there are multiple exposures that need to be insured correctly.
This Clothing Shop Insurance Checklist helps you confirm that all essential covers are in place - whether you run a boutique, high-street store, shopping-centre unit or hybrid online retailer.
Use this checklist to review your current policy or prepare before requesting a quote.
Missing even one of these can leave your business financially exposed.
Liability insurance protects you if someone is injured or their property is damaged due to your business activities.
Employers’ liability insurance is legally required in the UK if you employ staff.
Stock is usually your most valuable asset. Insurance should cover clothing, footwear and accessories against:
Stock values should reflect peak seasonal levels - not just average holdings.
Equipment and fixtures are essential to trading but often under-insured.
Values should include replacement and installation costs.
Theft is one of the most common causes of loss for clothing retailers.
Security conditions must be followed for claims to be paid.
Large shopfront windows are expensive to replace and often excluded from standard property cover.
Standalone glass cover ensures faster repairs and fewer disputes.
Business interruption insurance protects your income if your shop cannot trade following insured damage.
Indemnity periods should reflect realistic recovery times.
If you sell online alongside a physical shop, additional covers may be required:
Yes. The checklist applies to clothing shops of all sizes.
Most shops need the majority, but cover should be tailored to your operation.
Yes. We regularly review policies against this checklist.
Yes. Online and hybrid risks are covered within the checklist.
Yes. Insurance should be reviewed as turnover and stock increase.
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