Business insurance tailored for your clothes shop

If you run your own clothes shop, you will need insurance to maintain your business. A typical clothes shop insurance policy usually consists of several types of insurance cover.

Because you are directly in contact with customers, public liability insurance for shopkeepers is essential. Additionally, you may need business building insurance to cover risks to your premises, employers' liability insurance to cover risks to your staff, and other tailored covers such as fixtures and fittings and front of premises insurance.

Because running a clothes shop is very time consuming, we’ve made our quote form simple to use and our buying process easy to understand.

Buying your clothing shop insurance

It’s easy to buy your business cover at a competitive price with our clear, simple insurance quote form.

1. Build the right policy using our simple form
2. Compare quotes from a range of trusted insurers
3. Choose a quote and buy your policy online
4. Speak to our UK insurance team if you get stuck
5. Receive your documents online instantly

Building your clothes shop insurance policy

You may need several different types of insurance cover for your clothes shop. These core insurance covers should help you get started.

Public liability insurance covers the cost of claims made against you by members of the public who suffer injury or damage to property as a result of your business. There is a minimum cover of £1m, and for retailers we offer up to £5m.

Business buildings insurance: with buildings insurance, you can insure your premises against damage caused by disasters such as fire and flood. You will need to add on separate covers for business contents, fixtures and fittings, and front of premises.

Stock cover: Most retailers hold stock, either on the business premises or elsewhere, so this insurance is essential.

Details to look out for

• Make sure you read and understand any exclusions on your policy. Simply Business offers you the chance to read the policy documents for each quote before you buy.
• If you employ shop staff, you have a legal responsibility to take out employers’ liability insurance. Failure to do so can result in a fine of up to £2,500 per day.
• If you rent your shop premises from a commercial landlord, check with them to see if you need your own buildings insurance
• Remember, buildings insurance doesn't cover contents - only damage to the building itself.