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INSURANCE DESIGNED FOR FASHION & CLOTHING RETAILERS
Why Clothing & Fashion Retail Insurance Matters
Fashion retailers face unique risks — from high-value stock and seasonal collections to theft, customer injuries and supply-chain disruption. Insure24 arranges specialist cover designed specifically for boutiques, clothing shops and multi-channel retailers.
What Does Fashion Retail Insurance Cover?
- Shop Buildings, Fixtures & Fittings
- Stock Insurance (including designer & seasonal items)
- Public Liability for customer injury claims
- Employers’ Liability (legal requirement)
- Theft, shoplifting & malicious damage
- Business Interruption & loss of income
- Product Liability for clothing & accessories sold
- Optional cyber cover for online sales
Why Choose Insure24?
- Specialist retail & boutique insurers
- Cover for single or multi-store retailers
- Flexible limits for high-value stock
- Support for bricks-and-mortar & online sales
- Fast quotes & UK-based expert advice
FREQUENTLY ASKED QUESTIONS
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Is clothing shop insurance a legal requirement?
Employers’ Liability Insurance is legally required if you employ staff. Other covers,
such as stock and public liability insurance, are not compulsory but are strongly recommended.
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Can I insure designer or high-value fashion stock?
Yes. Policies can be tailored to include designer labels, limited-edition items
and seasonal collections, subject to accurate valuations.
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Does insurance cover shoplifting and theft?
Cover is available for theft following forced entry, with optional extensions
for theft during trading hours, subject to security conditions.
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What if my boutique has to close after a fire or flood?
Business Interruption Insurance helps replace lost income and covers
ongoing expenses while your shop cannot trade.
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Do I need product liability insurance for clothing?
Yes. Product Liability Insurance protects your business if a customer
is injured by a faulty garment or accessory you have sold.