High street clothing stores operate in busy, public-facing environments where footfall, valuable stock and seasonal trading create unique insurance risks. From theft and shoplifting to customer injury claims and fire damage, a single incident can significantly disrupt trading.
High Street Clothing Store Insurance from Insure24 is designed specifically for UK fashion retailers, whether you run an independent boutique, a branded outlet or a multi-store retail chain.
We arrange cover that protects your premises, stock, staff and income - while meeting landlord, lease and lender requirements.
Clothing retailers often carry high-value stock that fluctuates throughout the year, particularly during seasonal launches, sales periods and peak trading events. Underinsurance is a common issue.
High street clothing stores are a frequent target for shoplifting and organised retail theft. Insurance can protect against both daytime theft and out-of-hours burglary.
Clothing shops welcome members of the public every day. If a customer slips, trips or is injured in store, you could face a costly claim.
Fire or flood damage can destroy stock and force prolonged closure. Property damage cover helps fund repairs and replacement.
If your clothing store is forced to close following insured damage, business interruption cover helps replace lost turnover.
Is clothing store insurance legally required?
Employers’ liability insurance is legally required if you employ staff. Other covers are not mandatory but are essential to protect stock and income.
Does insurance cover shoplifting?
Yes. Theft cover can include shoplifting, subject to policy terms and security requirements.
How should I insure seasonal stock increases?
Policies can include seasonal stock uplift or declaration-linked sums insured.
Do landlords require specific cover?
Yes. Many leases require minimum public liability limits and property damage cover.
Can Insure24 review my existing shop insurance?
Yes. Insure24 can review existing cover and recommend improvements or savings.
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