Clothing shops operate in busy, customer-facing environments and face a wide range of risks - from shoplifting and fire damage to customer injury claims and loss of income following closure.
While some insurance is legally required in the UK, most protection is optional but essential to safeguard your stock, premises, staff and business continuity.
This guide explains the insurance policies a clothing shop typically needs and how they work together to form comprehensive protection.
In the UK, only one type of insurance is mandatory for most clothing shops.
Although not compulsory, the following covers are considered essential for most clothing retailers.
Public liability insurance protects clothing shops if a customer or visitor is injured or their property is damaged while on your premises.
Clothing stock is often the most valuable asset a retailer owns. Contents & stock insurance protects garments, accessories and shop fittings against damage or loss.
If you sell own-brand or private-label clothing, you may be legally responsible for injury caused by defective products.
If your clothing shop is forced to close following insured damage, business interruption insurance helps replace lost income.
Many clothing retailers choose a combined or package policy that brings key covers together under one policy.
Is insurance mandatory for clothing shops?
Only employers’ liability insurance is legally required if you employ staff. Other covers are optional but strongly recommended.
Do landlords require specific insurance?
Yes. Many leases require minimum public liability limits and property damage cover.
Is shoplifting covered by insurance?
Theft and shoplifting can be covered, subject to policy terms and security requirements.
Do I need product liability insurance?
If you sell own-brand or private-label clothing, product liability insurance is strongly recommended.
Can Insure24 review my current insurance?
Yes. Insure24 can review your existing policies and recommend improvements or cost savings.
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