Insurance for Clothing Shops

Running a clothing store is more than just offering the latest fashion trends – it’s about managing valuable stock, ensuring a safe shopping environment for customers, and keeping your business operations running smoothly. From theft to liability claims, clothing shops face unique risks that require tailored insurance cover to stay protected. Having the right business insurance is essential to safeguarding your store against the unexpected, so you can focus on growing your business.

Why do Clothing Shop owners choose Acer Insurance?

At Acer Insurance we don’t believe in generic policies. Instead, we work closely with you to create a tailored insurance plan that fits your store’s needs, from protecting your valuable stock to covering potential liability claims from customers. Our team of experienced advisers will guide you through the entire process, ensuring you have the protection you need and a smooth claims experience if anything should go wrong.

With our tailored business insurance, you can focus on running your store and providing great products to your customers, knowing that your business is protected from potential risks.

What insurance would I need?

We will work closely with you to create a plan that fits the unique aspects of your business to protect you against a wide range of potential issues. There are a few protection options we will need to consider:

• Property insurance: Protects your store, including clothing racks, displays, and decor, from damage caused by events like fire, theft, or vandalism. Whether you own or lease your space, this cover ensures your physical assets are protected.
• Stock protection (including clothing and accessories): Covers your stock – including clothing, shoes, and accessories – against loss, theft, or damage, ensuring that you’re not left paying out of pocket if something happens to your valuable stock.
• Theft and burglary insurance: Provides protection against theft, a common risk for retail clothing stores, covering the cost of stolen items and giving you peace of mind that your inventory is secure.
• Public liability insurance: Covers claims related to injuries or property damage that occur in your store – such as a customer slipping on a wet floor or being hurt by a falling display – protecting your business from costly lawsuits.
• Product liability insurance: Protects against claims of injury or damage caused by the clothing or accessories you sell, ensuring that if a customer experiences an issue with a product, your business is protected.
• Employers’ liability insurance: Provides cover for medical expenses and lost wages for employees who are injured while working in your clothing shop, ensuring you comply with legal requirements and support your team’s well-being.
• Commercial legal expenses: Protects your business from employee claims, such as wrongful termination, discrimination, or workplace harassment, helping you avoid costly legal disputes.

Other protection options you may wish to consider:

• Commercial car and van insurance: Covers any vehicles used for your business, such as those used for deliveries or stock transportation, protecting you from accidents and liability while on the road.
• Equipment breakdown insurance: Covers the cost of repairing or replacing essential equipment, such as point-of-sale systems, security alarms, or heating and cooling units, in case of mechanical failure. This ensures that your store remains operational and minimises downtime.
• Seasonal stock insurance: Provides extra cover for times when you have higher-than-usual stock levels, such as during holiday seasons or sales events, ensuring that your increased inventory is protected.
• Business interruption insurance: Compensates for lost income and helps cover ongoing expenses if your store must close temporarily due to a covered event like a fire or flood, allowing your business to recover without major financial strain.
• Cyber liability insurance: Protects your store from the growing threat of data breaches or cyber-attacks, especially important if you handle customer credit card information or offer online shopping services.
• Terrorism cover: Offering valuable protection from acts of terrorism.

Contact us for a quote today

Acer Insurance is committed to helping you protect every aspect of your clothing store. We’ll ensure your tailored insurance solution fully covers your business, stock, and employees. With our advice and support, you can focus on delivering an exceptional shopping experience for your customers, while we handle the risks.

Call 01959 528435 for an immediate quotation or leave your details below and one of our experienced team members will call you back.