Many clothing shop owners assume that having “some insurance” is enough. In reality, different policy types protect against very different risks. Choosing the wrong structure can leave major gaps in cover.
This guide explains the difference between public liability insurance, contents insurance and combined package policies - and when each is appropriate.
Public liability insurance protects your clothing shop if a customer or member of the public is injured on your premises or if their property is damaged.
It does not cover your own stock, fixtures or loss of income.
Contents insurance protects the physical assets inside your clothing shop, including stock, fixtures, fittings and equipment.
It responds to events such as fire, flood, theft and accidental damage.
A package policy combines multiple covers into a single, coordinated insurance solution designed specifically for retail businesses.
It is often the most efficient and cost-effective option for clothing shops.
Is public liability insurance enough on its own?
Do I need contents insurance if I rent my shop?
Is a package policy more expensive?
Which option is best for most clothing shops?
Can I change cover types later?
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