If you employ staff in a clothing shop, fashion boutique or designer apparel store, employers’ liability insurance is a legal requirement in the UK. This applies whether staff are full-time, part-time, temporary, seasonal or even unpaid.
Fashion retail environments present specific employee risks - including stock handling, fitting rooms, ladders, mannequins, stockrooms and customer interaction. Even minor accidents can lead to costly compensation claims.
Insure24 provides specialist Employers’ Liability Insurance for Clothing Shops that meets legal requirements while reflecting the real risks of fashion retail.
Yes. Under UK law, most businesses must have employers’ liability insurance with a minimum cover of £5 million if they employ anyone. Failure to hold cover can result in fines of up to £2,500 per day.
Yes. Employers’ liability insurance is required as soon as you employ anyone, even on a part-time or temporary basis.
Yes. Seasonal and temporary staff must be covered under employers’ liability insurance.
It is often included as part of a combined shop insurance policy, but it must be specifically shown and meet legal limits.
You could face fines of up to £2,500 per day and be personally liable for employee injury claims.
Costs depend on staff numbers, wages, claims history and risk profile. Insure24 compares specialist insurers to secure competitive premiums.
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