Many modern clothing shops operate as combo retail businesses - blending fashion retail with cafés, floristry, beauty services or chilled product sales. While this model increases footfall and revenue, it also introduces new risks.
Power cuts, utilities failures and refrigeration breakdowns can quickly lead to spoiled stock, forced closures and lost income - even when no physical damage has occurred. Standard shop insurance often excludes these losses unless specific extensions are in place.
Insure24 provides specialist Loss of Utilities & Refrigeration Failure Insurance designed for clothing retailers operating mixed or combo retail environments.
It covers financial losses caused by interruption to electricity, gas or water supplies that force closure or disrupt trading.
Not usually. Refrigeration and freezer breakdown normally require a specific policy extension to be included.
Yes, when correctly arranged. Cover can include spoilage and disposal of temperature-sensitive stock.
Business interruption following utilities failure can be covered, subject to policy terms and selected indemnity periods.
Cost depends on refrigeration reliance, stock values, turnover and risk exposure. Insure24 compares specialist insurers to secure competitive premiums.
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