Combined / Package Clothing Shop Insurance

All-in-one insurance protection for clothing shops, fashion boutiques and apparel retailers

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We compare quotes from leading UK retail insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

What Is Combined Clothing Shop Insurance?

Combined or package clothing shop insurance brings together all the core covers a fashion retailer needs into one single policy. Rather than arranging separate insurance policies for stock, property, liability and business interruption, a combined policy provides streamlined protection under one contract.

For clothing shops, fashion boutiques and designer apparel retailers, this approach is often more cost-effective, easier to manage and better aligned to the real risks faced in retail trading environments.

Insure24 arranges Combined / Package Clothing Shop Insurance tailored to your shop size, stock value, staffing levels and trading model.

What Combined Clothing Shop Insurance Covers


  • Clothing & fashion stock
  • Theft & shoplifting
  • Fire, flood & accidental damage
  • Fixtures, fittings & shop interiors
  • Public & customer liability
  • Employers’ liability (legal requirement)
  • Business interruption & loss of income
  • Seasonal stock fluctuations
  • Optional goods in transit cover
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Why Choose a Combined Insurance Policy?

Combined insurance is designed to reduce gaps in cover and simplify administration. For clothing retailers juggling seasonal stock, staff changes and busy trading periods, simplicity and certainty are crucial.

  • Single policy with aligned cover limits
  • Reduced risk of uninsured gaps
  • Often cheaper than separate policies
  • One renewal date and insurer
  • Clearer claims handling

Who Is Combined Clothing Shop Insurance For?

  • Independent clothing shops
  • Fashion boutiques
  • Designer apparel retailers
  • High-street clothing stores
  • Shopping centre retailers
  • Multi-location fashion retailers

Common Claims Covered by Combined Policies

  • Shoplifting and organised theft
  • Fire or flood damaging stock
  • Customer injury in store
  • Employee injury claims
  • Loss of income following insured events
  • Damage to displays and fittings

Why Arrange Combined Clothing Shop Insurance with Insure24

  • Retail-specific combined policies
  • Flexible cover for seasonal stock
  • Advice on correct sums insured
  • Access to specialist UK insurers
  • UK-based claims and support teams
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FREQUENTLY ASKED QUESTIONS

+-What is combined clothing shop insurance?

Combined clothing shop insurance brings together stock, property, liability and business interruption cover into a single policy.

+-Is combined insurance cheaper than separate policies?

In many cases, yes. Combined policies are often more cost-effective and reduce duplication of cover.

+-Does it include employers’ liability?

Yes. Employers’ liability is usually included and meets UK legal requirements when staff are employed.

+-Can cover be adjusted for seasonal stock?

Yes. Policies can be structured to reflect seasonal increases in stock value.

+-How much does combined clothing shop insurance cost?

Costs depend on stock value, shop size, location, security and claims history. Insure24 compares specialist insurers to secure competitive premiums.

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