If you operate a clothing shop, boutique or fashion store, you are legally exposed to claims from customers, visitors and members of the public. Even minor incidents can result in costly compensation claims and legal fees.
Public & Customer Liability Insurance protects your clothing retail business if a third party is injured or their property is damaged as a result of your business activities.
From slips in changing rooms to injuries caused by displays, rails or mirrors, liability insurance is a core requirement for UK clothing retailers.
Public liability insurance covers genuine accidents - not deliberate acts or employee injuries, which are covered separately.
Even well-run shops can face unexpected incidents - liability insurance protects against the financial impact.
Most UK clothing retailers choose cover limits between:
Some landlords and shopping centres require a minimum level of public liability cover as part of lease agreements.
Even if you primarily sell online, public liability may still apply if:
Insure24 can structure cover to reflect how and where customers interact with your business.
Public liability insurance is usually arranged as part of a wider clothing shop insurance package.
It’s not legally required, but most landlords and shopping centres insist on it.
Yes. It covers injury or property damage suffered by customers or members of the public.
Yes, provided they form part of your insured premises.
Online sales are usually covered under product liability rather than public liability.
Yes. Cover limits can usually be increased as your business grows.
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