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The full clothing store insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
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Required for most clothing retailers
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.
Read the General Liability guideThis 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.
Read the Product Liability guideA 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.
Read the Commercial Property guideCommon across most operations
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.
Read the Cyber Liability guideRequired 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.
Read the Workers Compensation guideMost department stores and wholesale buyers require umbrella coverage before they issue a PO. This policy extends limits above GL, product liability, and employers liability.
Read the Umbrella Insurance guideDepends on your specific operation
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.
Read the Business Owners Policy guideCovers 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.
Read the Inland Marine guideReplaces 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.
Read the Business Interruption guideEach coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a free coverage review and risk plan. If your current program is solid, we'll tell you. Either way, you walk away with a free expert opinion.
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