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. 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

Here's What Can Happen If You Do Not Have General Liability Insurance

Business owner standing in closed restaurant

Did you know that there are 30.2 million small businesses located in the United States?

As the owner of a small business, you most likely understand that there are many risks that your business could encounter. By finding ways to protect your business from unforeseen circumstances, you could help to ensure a successful future for your company.

Are you interested in learning about how general liability insurance could help to protect your company? We've created this quick guide to help you better understand what can happen if you don't have general liability insurance. Keep reading to learn more!

What Does General Liability Insurance Cover?

General liability insurance can help to guard against specific kinds of liability suits. Some of the claims that general liability insurance may cover include third party bodily injury, third party property damage, or advertising injury.

Additionally, general liability insurance may help to cover incidents such as:

  • Medical expenses for customer injuries your business may have caused
  • The cost of property damage claims made against your business
  • Advertising injury and reputational harm claims made against your business
  • Judgments, settlements, and court costs for covered claims

Not only could general liability insurance help to protect your company from unforeseen circumstances, but it may also be necessary for certain types of licenses. It is recommended to check with your state and local governments for general liability requirements based on the type of business you own.

What Doesn't General Liability Insurance Cover?

You should be aware that there are some circumstances and events that general liability insurance does not protect against.

In most circumstances, general liability insurance does not protect against:

  • Malicious acts completed on purpose
  • Illegal actions done on purpose
  • Personal employee injury claims
  • Intentional damage to your business property

There are other types of insurance options available that may protect your company against some of the above-listed situations.

What Happens If You Don't Get General Liability Insurance?

Most legal defense, settlements, court fees, or judgment costs can quickly add up and could be expensive.

If there ever is a situation where an individual files a claim against your small business, you may need to hire legal counsel. Even if the customers’ legal claim never ends up making it to court, you can easily spend hundreds of dollars in just the claim itself.

When you take the time to add up the costs that can come from a legal claim, you could spend several thousand dollars. Purchasing general liability insurance for your business could help to cover these costs, making it easier for your small business to survive a claim.

Finding the Best General Liability Insurance for Your Company

Without general liability insurance, it can easily become expensive to pay for liability claims out of pocket. Many small businesses will struggle to afford the cost to come from a single claim.

Are you interested in purchasing general liability insurance for your business? Contact us today to learn more about general liability insurance.

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Clothing Store Insurance: What Coverage Is Needed?

Running a clothing store requires a lot of things, including obtaining insurance policies and coverage. Learn about clothing store insurance here.

A Guide to Commercial General Liability Insurance for Clothing Stores

Running a clothing store can be challenging, and you may want adequate protection. Learn about commercial general liability insurance here.

What to Know About Commercial Property Insurance for Clothing Stores

If you're starting your own clothing store, you may want to know about the types of insurance coverage you might need. Learn about commercial property insurance here.

Workers' Compensation for Clothing Store Employees

Help ensure the safety of your clothing store employees with Workers' Compensation. Explore coverage options to help protect your team and clothing store business.