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Product liability, commercial property, cyber coverage, and workers comp for fashion retailers selling through Amazon, Shopify, and storefront locations. Quoted across 60+ carriers.
Trusted by 60+ carrier partners
Product liability, CPSIA compliance, and marketplace rules
Common gaps include CPSIA testing issues on children's lines, missing recall coverage, and marketplace endorsements that do not match Amazon or Shopify requirements. All caught before binding.
One program across storefront, ecommerce, and wholesale
Submissions go to carriers that write channel-blended apparel risk under a single program, covering your site, Amazon, and wholesale accounts without gaps.
Inventory endorsements and COI requests on demand
Property endorsements process when stock levels spike. Certificates ship for trade shows and retail partners. The program is remarketed at renewal.
A clothing store carries product liability exposure from fabric allergies, dye reactions, and children's clothing flammability compliance. General liability covers customer injuries in physical locations.
Online sellers on Amazon need a policy once monthly revenue passes ten thousand dollars. A business owner's policy bundles GL with commercial property and is the standard starting point for most apparel retailers.
Clothing store insurance is a set of commercial policies that protect apparel retailers from product liability claims, property losses on stored inventory, cyber breaches, and workplace injuries. The coverage applies to brick-and-mortar boutiques, ecommerce-only brands, and hybrid operations selling through marketplaces and their own channels.
Carriers price GL and product liability differently for storefront, ecommerce, and wholesale channels. A pure ecommerce brand with no foot traffic pays less for premises liability but more for product liability per dollar of revenue than a brick-and-mortar boutique.
Commercial property and inland marine limits are set against peak inventory on hand. Seasonal apparel businesses that triple stock before holiday or back-to-school cycles need coverage that tracks those peaks, not an annual average.
Three to five years of loss runs drive renewal pricing. Product liability claims from allergic reactions or CPSC recalls affect your rating. Slip-and-fall frequency in retail locations and chargeback-related disputes also factor into the experience modifier carriers apply at renewal.
Send current policies, loss runs, and a summary of your channels and product lines. The review checks product liability limits, verifies CPSIA compliance for children's lines, and identifies cyber, property, or marketplace gaps.
Your GL policy handles customer slip-and-fall injuries in your store, product-related bodily injury claims from allergic reactions to fabrics or dyes, and property damage to third parties. Most marketplace and wholesale accounts require proof of GL at standard limits.
This line responds when a garment causes injury: a flammability defect, an allergic reaction to a textile treatment, or a choking hazard on children's clothing. Often included in GL but may need higher limits for sellers with children's lines or high-volume marketplace accounts.
A single warehouse fire can wipe out an entire season of stock. This policy covers your inventory, fixtures, signage, and leasehold improvements against fire, theft, water damage, and natural disasters. Seasonal apparel businesses should set limits to cover peak inventory periods, not annual averages.
Any retailer processing credit cards online or in-store carries breach exposure. This policy covers data breach notification costs, forensic investigation, and regulatory defense when customer payment data or personal information is compromised.
Required in nearly every state once you have employees. Clothing retail payroll is rated under NCCI code 8008 when apparel accounts for more than half of gross receipts. Covers medical costs and lost wages from stocking, lifting, and equipment injuries.
Most department stores and wholesale buyers require umbrella coverage before they issue a PO. This policy extends limits above GL, product liability, and employers liability.
Bundles GL and commercial property into a single policy, often at a lower combined premium than buying each separately. The standard starting point for clothing retailers with a physical location and moderate inventory.
Covers inventory in transit between your warehouse, retail locations, and fulfillment centers. Fills the gap between your supplier's coverage and your commercial property policy for goods moving through the supply chain.
Replaces lost revenue and covers continuing fixed expenses when a covered event forces your store or warehouse to close. Particularly relevant for retailers whose revenue concentrates in a few seasonal peaks.
Need coverage not listed here? Let's talk about your specific exposures.
Real exposures your broker should understand and have a plan for.
Children's sleepwear must meet 16 CFR 1615/1616 flammability standards. CPSC regularly recalls Amazon sellers and DTC brands whose pajamas or loungewear fail testing. Recalls trigger retrieval costs and civil penalties.
Customers can develop contact dermatitis from dyes, formaldehyde-based wrinkle treatments, or chemical finishes on imported garments. Retailers are liable under product liability even when they did not manufacture the garment.
Fitting rooms, display racks, and seasonal floor displays create trip hazards in brick-and-mortar stores. A customer injury on premises triggers a GL claim for medical costs, legal defense, and potential settlement.
Apparel inventory is compact, easy to resell, and a frequent target for organized retail crime. A single warehouse break-in can wipe out seasonal stock that cannot be reordered in time.
Online clothing stores collect credit card numbers, shipping addresses, and account credentials. A breach triggers notification requirements in all 50 states, forensic investigation costs, and potential PCI DSS fines from payment processors.
Apparel ranks among the top categories for first-party fraud chargebacks, including wardrobing and false not-received claims. Standard insurance does not cover the revenue loss, but operational disruption compounds other insured losses.
The licenses, endorsements, and proofs buyers and regulators want to see before they let you on the job.
The class codes, compliance thresholds, and regulatory standards that show up when a clothing retailer gets underwritten or applies to sell on a marketplace. If you have never seen an NCCI class code or a CPSIA testing requirement on your policy application, this is what they mean.
Workers comp classification for stores primarily selling ready-to-wear clothing. Applies when apparel accounts for more than 50% of gross receipts. Broader product mix stores fall under 8017 (Store, Retail NOC).
CPSIA caps total lead in accessible parts of children's products at 100 ppm. Surface paint and coatings are capped at 90 ppm under 16 CFR 1303. Every children's clothing item sold in the US requires third-party lab testing and a Children's Product Certificate.
Amazon requires commercial liability insurance at one million per occurrence once monthly sales exceed this threshold. The policy must name Amazon as additional insured. Deductible cannot exceed ten thousand dollars. The carrier must be rated A-minus or better.
Classifies textiles into three flammability classes based on burn rate at a 45-degree angle. Class 1 is normal, Class 2 is intermediate (raised-fiber fabrics), and Class 3 is rapid and intense burning, prohibited from sale in the US.
Stricter than the general clothing standard: children's sleepwear must self-extinguish after exposure to a small flame. CPSC regularly recalls online sellers and DTC brands whose pajamas, robes, or loungewear fail these tests.
Apparel ranks among the top categories for friendly-fraud chargebacks, accounting for a substantial share when combined with accessories and cosmetics. Common tactics include wardrobing (wearing and returning), false not-received claims, and refund manipulation. Not directly insurable, but the operational loss compounds other covered claims.
Pricing varies by revenue, inventory value, channel mix, and whether you sell children's clothing. A basic GL policy for a small clothing store costs a few hundred dollars per year. A business owner's policy that bundles GL with commercial property costs more but is the standard starting point for retailers with a physical location. Ecommerce-only brands with no storefront typically pay less for premises liability. Product liability premiums are comparable regardless of channel, especially for sellers on Amazon or marketplaces that require additional insured endorsements.
Online clothing stores carry the same product liability exposure as physical retailers. If a customer has an allergic reaction to a garment you sold, the claim comes to you regardless of whether the sale happened in a store or through a website. Amazon requires GL coverage once your monthly sales exceed ten thousand dollars. Shopify strongly recommends it as well. Cyber liability is also relevant because online stores process customer payment data and personal information protected by breach notification laws.
Product liability insurance covers legal defense costs and settlements when a garment you sell injures a customer. For example: a buyer develops contact dermatitis from a chemical finish on an imported jacket, and your product liability pays defense costs and any settlement. Common triggers include allergic reactions from fabric dyes, burn injuries from clothing that fails flammability standards, and choking hazards from small parts on children's garments. Retailers are liable under strict product liability even when they did not design or manufacture the product. Most GL policies include product liability. Sellers with children's lines or high-volume marketplace accounts may need standalone coverage at higher limits.
Children's clothing is the product category that trips up the most new apparel sellers. It triggers mandatory CPSIA compliance, including third-party lab testing for lead and flammability. Phthalate testing applies only to garment components classified as childcare articles. CPSC issues recalls against sellers whose children's sleepwear fails 16 CFR 1615/1616 standards. The importer or seller of record bears the recall cost. Recent recalls have targeted Amazon sellers for flammability violations on pajamas and robes. Product liability and recall insurance are the coverage lines that respond. Carriers underwriting children's apparel will ask for your CPC documentation and testing lab records.
Nearly every state requires workers comp once you have employees. Clothing retail payroll is classified under NCCI code 8008 when apparel represents more than half of gross receipts. The code covers injuries from stocking shelves, lifting boxes, operating steamers, and repetitive strain from folding and tagging. Stores that also do alterations may need to split payroll into a separate classification for tailoring operations. Ecommerce operations with warehouse staff carry similar exposure from picking, packing, and shipping.
Most venue operators and event organizers require a certificate of insurance showing GL coverage. The venue must be named as additional insured. A standard clothing store GL policy can issue these certificates, but you need to request the endorsement before the event. If you carry inventory to the event, confirm your commercial property or inland marine policy covers stock at temporary locations. Some policies exclude off-premises inventory unless specifically endorsed.
Department stores, boutique chains, and online wholesale platforms typically require vendors to carry GL at one million per occurrence and two million aggregate. Many also require umbrella coverage above those limits. The buyer's vendor agreement specifies minimum limits, required endorsements, and the requirement to name the buyer as additional insured. Without the certificate, the purchase order does not proceed. These requirements are standard in wholesale apparel and are not negotiable for new vendors.
A business owner's policy bundles general liability and commercial property into a single policy. GL covers customer injuries on premises and product liability claims. Commercial property covers your inventory, fixtures, equipment, and leasehold improvements. Many BOPs include business interruption coverage that replaces revenue during a covered closure. A BOP is the most common starting point for clothing retailers with a physical location. It does not include cyber liability, workers comp, or umbrella coverage. Those are purchased as separate policies.
Send us your policy and a licensed advisor benchmarks your clothing store insurance across 60+ carriers, showing the gaps and the savings. If your program is already solid, we'll tell you.
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