Clothing and Shoe Store



When it comes to insurance for your clothing or shoe store, you want your coverage to be true to size. With a PolicySweet® Business Owners Policy, we’ll make sure your coverage is flattering. From General Liability to Workers’ Compensation, each clothing store insurance policy is styled just for you.


Recommended Coverages for Clothing and Shoe Stores:

We typically recommend a Business Owners Policy or HomeHQSM coverage depending on the location of your business. If you operate from a commercial space, you might want to consider BOP coverage. For businesses that operate from a residential space like a home, condo, or an apartment HomeHQ is a great option. And if you have employees, we suggest Workers’ Compensation coverage to help protect your staff. Learn more about these coverages:


Business Owners Policy

This type of policy bundles common coverages together to help protect a business. Business owners typically opt for this type of coverage instead of purchasing coverages separately because it can be easier to manage in the event of a claim.

General Liability Insurance

It could help cover reputational harm and copyright infringement as well as third party claims made against your business.

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GENERAL LIABILITY INSURANCE

 


Property Insurance

Is your business financially prepared to cover expenses to replace or repair business assets if they become damaged or stolen? If your business relies on its assets to keep it running, you might want to consider property coverage.

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PROPERTY INSURANCE  


Cyber Insurance

Cyber coverage could help your business with problems that result from a virus, hacker, or network security attack.

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CYBER INSURANCE  



Workers’ Compensation Insurance

Want to help protect your employees? Workers’ Compensation coverage could protect employees if they become injured on the job. Medical bills, lost wages, and related expenses could be covered with this type of insurance.


HomeHQ

HomeHQ assembles multiple coverages together into a single policy. It combines general liability, business property coverage, and inventory insurance to help protect your home-based business.

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Clothing and Shoe Store Insurance Articles

How Businesses Can Create a Safe Work Environment

Business owner of retail shop on phone with customer

More than 5,000 workers die every year in the United States from a work-related injury. While this number is large, note that the number of workplace injuries far exceeds the fatalities.

While not all work-related injuries and deaths can be prevented, it is the responsibility of businesses to create a safe work environment that minimizes the risk of injury.

This article outlines four ways businesses can help create a safer workplace for their employees.

Let's get started!

1. Make Room for Open and Frequent Discussions

Create an environment that allows for open discussions about safety concerns and hazards. You should encourage employees to express their thoughts on any improvements they deem necessary.

As a business owner, it is often easy to miss minor details that could negatively impact safety. Your employees are likely to have a keener eye for these things and being open to feedback and suggestions may contribute to a safer work environment.

2. Create Health and Safety Codes

Having a set of safety rules will allow employees insight into exactly what can be expected from them. If an established protocol is followed, it may eliminate the sense of doubt or vagueness surrounding safety measures.

This includes setting up a solid emergency plan and ensuring that you have accessible emergency exits all around your building.

One way that could promote awareness about these safety codes is through regular safety quizzes with incentives for the winners. Another way is to keep reminders around the workplace in manuals, posters, and other similar materials.

3. Regular Inspections and Maintenance Checks for the Building

All buildings require consistent maintenance to preserve their structure. Be sure to consistently update and upgrade your work building as it may keep it in good shape for your employees and customers.

You can also schedule regular maintenance checks and inspections that could help to find any signs of wear and tear that may need to be addressed.

Additionally, be sure to incorporate safety measures within the design of your building. De-icing your walkways, adding rubber mats to slippery areas, and adding padding to your staircases are a few precautions that could go a long way and could prevent medical and legal expenses associated with injuries on business property.

4. Appropriate Equipment and Work Uniforms

Finally, ensure that your teams are equipped with high-quality gear and accessories designed to protect them from injuries common to their relevant positions. Employees need access to the right training, work uniforms, and equipment that may help them to perform at their best without putting themselves in harm's way.

Everyone Deserves a Safe Work Environment

Creating a safe work environment is a duty for every business. However, sometimes, despite your best efforts, things can go wrong. In circumstances like these, it is important that you may be able to protect your business and employees against potential accidents.

At PolicySweet®, we ensure that your business could be protected against several liabilities, giving you the kind of coverage you may need to protect your business. Get in touch with us or request a quote for a personalized plan today!

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