Clothing shops rely on far more than just stock. From display rails and shelving to point-of-sale systems, mirrors, lighting and signage, your shop equipment and fixtures are essential to day-to-day trading and customer experience.
Shop Equipment & Fixtures Insurance protects these fixed and movable assets against damage, theft and loss following insured events such as fire, flood, vandalism or accidental damage.
Insure24 arranges tailored cover for clothing retailers of all sizes - from independent boutiques to multi-site fashion chains.
Equipment and fixtures are typically insured under the contents section of a clothing shop insurance policy, with limits based on replacement value.
Without adequate cover, replacing fixtures can be expensive and cause prolonged disruption to trading.
Fixtures and equipment are insured separately from stock.
Both must be declared accurately to avoid underinsurance.
Cover should reflect the full replacement cost of all fixtures and equipment, including installation and fitting costs.
Under-declaring values can result in reduced claim payouts.
Even online-focused retailers often rely on equipment such as packing stations, photography setups, storage racking and POS systems.
Equipment cover can be extended to home offices, studios or storage units, subject to policy terms.
Equipment & fixtures insurance is normally part of a wider clothing shop insurance package.
Yes. Fixtures and fittings are usually insured under the contents section of a clothing shop insurance policy.
Yes. Tills, card machines and related equipment can be included.
Accidental damage is often optional and should be added if required.
Yes, if you are responsible for them under your lease agreement.
Yes. Values should be updated after refits or refurbishments.
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