Clothes Shop Insurance

Clothes Shop Insurance

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Running a clothes shop can be challenging at the best of times, but unforeseen accidents can through all your plans into doubt. That is why a good insurance policy will be incredibly valuable. 

At Brisco Business, we’re here to help. Using our platform, you can find the best clothes shop insurance policies to protect you and your business from all the challenges you face.

Compare quotes for clothes shop insurance along with many other types of Shop Insurance with Brisco Business now and find a policy with covers to meet your needs.

Brisco provides a smarter way to secure your insurance compared to Clothes Shop Insurance brokers. Easily compare quotes from leading insurers to find the most suitable coverage at competitive prices. Save time and money while using our platform to find the right insurance without the limitations of brokers.

We partner with some of the UK’s most trusted clothes shop providers, so that you can compare insurance quotes and choose the options that suit you best.

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What insurance do I need to sell clothes?

Although it is not a legal requirement for retailers, public and product liability is something you ought to consider. Whether you see your customers face-to-face or sell online, product liability insurance is vital to cover you against any claims. Without cover, you are at risk of having to pay legal fees and compensation out of your own pocket if a claim is made against you.

What insurance should a clothing or fashion shop have?

A fashion shop has three important aspects that any good insurance policy should cover: your premises and stock (buildings and stock insurance), your customers (public liability insurance), and your employees (employers’ liability insurance).

Product liability insurance, business interruption insurance, and accidental damage are also worth considering for your clothes shop to ensure you are protected in any situation.

What business insurance is mandatory?

The only insurance type that is compulsory for UK business owners that employ staff is employers’ liability insurance. It covers your business if one of your staff members claim to have suffered an illness or injury from their work.

You could be heavily fined if you are found to not have employers’ liability insurance.

How much is liability insurance for an independent clothes shop in the UK?

In the UK, the average annual public liability insurance premiums cost about £120, but this can vary depending on the size of your clothes shop. In fact, some insurance premiums cost as little as £40 per year! Factors that also affect the cost of insurance include the amount of chosen cover and for claims history.

What factors should I consider when taking out clothes shop insurance?

Think about a number of issues such as how many employees you have, if you have contact with third parties and how many customers are moving through your shop. This can help you decide on the full amount of insurance you need.

What level of cover will I need for clothes shop insurance?

The level of cover will depend on the size of your shop and how much you want to insure yourself for. Some people may cut back on their insurance in an effort to reduce premiums. This is often a false economy. While it can reduce your month to month spend, you will be liable for any damages beyond the amount specified in your insurance policy.

What should I do if I need to make a claim?

It is important that you notify your insurance company as soon as possible. The quicker you let them know, and the more information you give them, the easier it will be for them to help you out.

Are there any exceptions?

Possibly. Some insurance policies have limits to the amount of cover they offer and types of accidents they will insure against. That’s why it’s always a good idea to read the small print.  When you compare quotes with Brisco Business, you will be given a number of options from leading insurers and can choose the policy which suits your needs best.

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