Stock theft and shoplifting are among the most common and costly risks faced by clothing retailers. From organised retail crime to opportunistic theft, losses can quickly erode margins and profitability.
Stock Theft & Shoplifting Insurance helps protect your clothing shop against financial loss caused by theft, attempted theft and malicious damage - provided security conditions are met.
Insure24 arranges tailored theft cover for clothing shops, boutiques and fashion retailers across the UK.
Cover applies to insured stock values and is subject to policy limits, conditions and excesses.
Insurers expect proactive theft-prevention measures to be in place.
Theft claims are commonly declined when security conditions are not followed.
Security requirements are set at quotation stage and must be maintained.
Insurance covers identifiable theft incidents - not general stock shrinkage.
Accurate stock control and reporting are essential.
Theft cover limits should reflect maximum stock levels held on-site.
Under-declaring stock values can significantly reduce claim payouts.
Theft & shoplifting insurance is usually part of a wider clothing shop insurance policy.
Yes, provided theft conditions are met and the loss is identifiable.
Not always, but CCTV is often recommended and may be required for higher limits.
Yes, if reasonable supervision and security measures are in place.
Not by default. Fidelity guarantee cover is required.
Yes. Seasonal stock uplifts can usually be arranged.
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