Clothing shops, fashion boutiques and designer apparel retailers rely heavily on the value and condition of their stock. Fire, flood and severe weather events can destroy entire collections in minutes - often at the most critical trading times.
Unlike general merchandise, clothing and fashion stock is highly sensitive to water, smoke, heat and humidity. Even minor incidents can make garments unsaleable and cause substantial financial loss.
Insure24 provides specialist Damage to Stock Insurance for clothing retailers, ensuring protection against fire, flood, storms, escape of water and extreme weather events.
It covers clothing and fashion stock damaged by insured events such as fire, flood, storms, escape of water and extreme weather.
Yes. Smoke damage is usually covered as part of fire insurance, even if garments are not directly burned.
It can, but insurers may apply conditions or higher excesses. Basement stock must be disclosed to ensure cover applies.
Yes, provided sums insured reflect peak seasonal stock levels.
Cost depends on stock value, location, flood risk, security and claims history. Insure24 compares specialist insurers to secure competitive premiums.
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