Boutique Shop Insurance — Coverage, Cost & Requirements

Boutique shops carry curated, often high-value merchandise and cultivate a loyal customer base — which means any disruption to operations or customer experience hits harder than it would at a big-box retailer. A fire, flood, or theft can eliminate your entire seasonal inventory in hours. A customer injured in your store can file a liability claim that costs more than a year of profits. Boutique shop insurance combines commercial property coverage for your inventory, fixtures, and signage, general liability for customer injuries and property damage, business income to cover rent and payroll while you rebuild, and product liability if you sell goods that injure customers. Many boutiques also benefit from adding commercial crime coverage for employee dishonesty.