Clothing & Apparel Store Insurance — Coverage, Cost & Requirements
Business insurance for clothing boutiques, apparel retailers, and fashion stores. Covers retail premises liability including fitting room injuries, inventory losses from theft and fire, product liability for clothing defects, and commercial auto for delivery and buying trips. Essential for protecting seasonal inventory investments.
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What Coverage Does Clothing & Apparel Store Insurance Include?
Most clothing & apparel store businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
BOP
Business Owners Policy bundles general liability + commercial property at a discounted rate. Ideal for small businesses.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Product Liability
Covers bodily injury or property damage from products you manufacture, distribute, or sell.
Crime
Covers theft, employee dishonesty, forgery, and fraud-related losses.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
How Much Does Clothing & Apparel Store Insurance Cost?
The cost of clothing & apparel store insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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