Running an online clothing business brings a very different risk profile compared to a traditional high-street shop. Stock is stored in warehouses or at home, orders are shipped daily, payments are taken online, and customers may never physically visit your premises.
Online Clothing Retail Insurance is designed to protect e-commerce fashion businesses against financial loss, legal claims, cyber threats and supply chain disruption - whether you sell via your own website, marketplaces, or social platforms.
Insure24 arranges tailored insurance for UK online clothing retailers of all sizes - from start-ups and side hustles to established digital brands.
Even if you don’t operate a physical shop, you can still face significant financial and legal exposure.
Cover can be tailored depending on where stock is stored, how orders are fulfilled, and which sales platforms you use.
Insurance helps protect cashflow and reputation when these issues occur.
Insurers price online retail risk heavily based on where stock is kept.
It’s essential that storage locations are declared correctly to avoid claims issues.
Online clothing retailers handle customer data, payment information and account credentials every day. Cyber insurance helps cover:
Cyber risk applies even to small online stores.
Most online clothing retailers choose a combined policy rather than separate covers.
Yes. Even without a physical shop, online retailers face liability, stock, cyber and delivery risks.
Yes. If you sell clothing or accessories, you can be held liable for injury or damage caused by your products.
Goods in transit cover protects orders while with couriers or postal services.
If you process online payments or store customer data, cyber insurance is strongly recommended.
Yes. Policies can be scaled as turnover, stock levels and sales channels increase.
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