Clothing Store Insurance
You can save up to 25% in discounts on business insurance.*
Choose your primary coverage to get started:
Clothing store insurance can help protect you from:
Theft
Your business is burglarized overnight and inventory was stolen. You need to replace it — fast.
Product liability
A customer claims a sweater you sold was treated with a chemical that caused an allergic reaction.
Advertising injury
A competitor sues you claiming that you copied the "look and feel" of their product listing.
Cyber
Criminals hack your store's site, and now your customers' payment information is compromised.
Clothing store insurance designed to protect your business
NEXT Insurance is a one-stop shop to help you get the clothing store insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
- General liability
- Commercial auto
- Workers’ compensation
- Commercial property
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different policies available for clothing stores and save up to 10% when you bundle two or more of our policies.
General Liability
Protection for the injuries, accidents and damage you cause
General liability insurance covers the risks that affect almost every clothing store business. It's the most common insurance for small businesses and entrepreneurs, and it’s typically the first policy purchased by new businesses.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Commercial Auto
For business owners who own or drive vehicles
Whether your car is essential for your daily operations or a vehicle you only occasionally use for work, you need a commercial auto insurance policy customized for your clothing store business. Most states require that your business-owned vehicles are insured for certain types of accidents with commercial auto coverage.
commercial auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation
For business owners who hire employees
Workers' compensation insurance helps to make sure workers are taken care of if they're hurt on the job, while also protecting clothing store business owners from significant financial losses after an accident. It's legally required in most states for businesses with employees.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Commercial Property
For business owners who own or rent physical spaces
Commercial property coverage helps protect almost all of the physical items you need to run your clothing store, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
What customers say about us
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Amazing customer service !
TENSAE H.
Awesome rates
Awesome rates
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Insurance Made Easy
Simple process, less the hassle… less the dollars.
Kathy B.
Great communication.
Great communication.
Danny K.
Affordable.
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Highly recommend
Very helpful customer service
Lashaunda M.
Amazing customer service !
Amazing customer service !
TENSAE H.
Awesome rates
Awesome rates
Laxmi A.
Insurance Made Easy
Simple process, less the hassle… less the dollars.
Kathy B.
Great communication.
Great communication.
Danny K.
You can save up to 25% in discounts on clothing store insurance
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does clothing store insurance cost?
Clothing shop insurance costs vary based on the risks that your business faces, such as:
- The types of activities or projects you work on
- Where your business is located
- Your payroll and the kinds of jobs your employees do
- The number and types of vehicles you use at work
You can save up to 25% in discounts, depending on the kind of work you do. More risky professions can expect to pay more.
Learn more about clothing store insurance costs and coverage.
Clothing store insurance requirements
Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:
- Get a business license in your state. It’s a good idea to check if you need a license in your state in order to get insurance.
- Hire employees. Most states require workers’ compensation insurance if you have employees.
- Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
- Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Frequently asked questions about clothing store business insurance
Here are some of the most common questions we get about clothing retailer insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
Does NEXT Insurance offer general liability coverage for clothing shops?
Yes, NEXT Insurance offers general liability, commercial auto, workers' compensation and commercial property insurance coverage for clothing stores.
Does NEXT Insurance offer commercial property coverage for clothing stores?
Yes, NEXT Insurance offers commercial property insurance, general liability, commercial auto and workers' compensation insurance coverage for clothing shops.
What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work.
You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How can I get a certificate of insurance (COI)?
Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
How do you file an insurance claim with NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
More professions that are covered by NEXT
Amazon Seller, Arts and Crafts Store, Bike Shop, Bookstore, Candle Store, Candy Store, Clothing Store, Convenience Store, E-commerce, Electronics Store, Fabric Store, Florist, Furniture Store, Hardware Store, Jewelry Store, Laundromat, Luggage Store, Medical Supplies Store, Pawn Shop, Retail Store, Toy Store
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.