Insurance For A Clothing Store

Workers' Comp

With so many electronic transactions, both online and at point of sale, you have a lot at stake. As with any business, retail businesses possess unique characteristics that require tailoring their insurance to match. Making photos and videos of your entire business location as well as storage spaces is another effective way to document items it owns. For instance, if your vape pen accidentally cause injury to customers, general liability coverage could cover their medical bills as well as legal costs should they sue.

Yes, you can often bundle different types of retail insurance to save on costs.

Insurance For A Clothing Store - Employees

  1. Workers' Comp
  2. Workers’ Compensation
  3. Employees
  4. Liability Insurance
If the person files a lawsuit, costs can add up quickly. It's our business to keep you in business!

While retail business insurance isn't mandatory in the same way auto insurance is, it's highly recommended. The Allen Thomas Group . Most retail businesses pay a median of less than $45 per month for general liability insurance, but you could pay more or less depending on your risks. Commercial umbrella insurance: Similar to excess liability insurance, this policy boosts coverage on a retailer’s general liability, commercial auto, and employer’s liability insurance once the limit is reached.

We offer insurance by phone, online and through independent agents. Liquor liability insurance: If your shop sells alcohol, liquor liability coverage will likely be essential in meeting state dram shop laws and protecting against lawsuits. Commercial property insurance provides essential protection.

retail product insurance

types of retail policies in insurance

The Allen Thomas Group specializes in tailoring insurance solutions to meet the specific needs of retail businesses, whether you run a brick-and-mortar store, a boutique shop, or an online retail empire. This policy add-on can cover loss of income or an increase in expenses that results from covered damage to another organization that your company depends on for supplies or services.

Retail stores that are eligible for a BOP usually:If a customer or delivery person is injured by an accident at your retail store, such as slipping in a spill, you could be held responsible for the resulting medical bills.

Auto Insurance: If your retail business relies on vehicles for deliveries or transportation, commercial auto insurance is a must.

You'll want to make sure your BOP covers goods that are off premises as well, including goods in transit and merchandise being shipped to customers. Workers' Comp

retail store insurance application

Small Business Retail Cyber Insurance is critical to defend against failure and to prevent unauthorized access to, or use of, customer identity information. Inventory Employment Practices Liability+ (EPL+) covers you against claims alleging discrimination or wrongful termination as part of its coverage. You can customize liability coverage to fit unique aspects of your business by purchasing additional umbrella policies. Our goal is to assist in your journey through this maze by answering questions about The Allen Thomas Group as your insurance partner and showing why choosing us as such an informed choice can only bring positive outcomes.

Are you ready to safeguard your retail store with general liability insurance? BIEE coverage can provide essential financial protection during repairs or replacement of property. Umbrella insurance provides additional financial protection that goes beyond the limits of your other liability policies.

Insurance For A Clothing Store - Commercial Auto Insurance

  • Workers' Comp
  • Workers’ Compensation
  • Employees
  • Liability Insurance
  • Premiums
  • Retailers
  • Commercial Auto Insurance
  • Commercial Auto Insurance


It covers accidents, damages or theft that might happen with your vehicles and provides essential coverage in case something happens to them. Insurance doesn’t have to be complicated. A BOP typically covers your assets such as: A BOP should protect both your physical premises (retail space or warehouse) as well as any contents on them, from displays to products.

From florists to furniture stores, many retailers rely on a vehicle or small fleet to get their products to customers. Retail business insurance from The Allen Thomas Group offers you peace of mind, allowing you to focus on what you do best - serving your customers and growing your business. As an employer, protecting yourself is just as essential: running the business alone won't do.

retail store insurance application
Business insurance for grocery store

Business insurance for grocery store

Protect your employees with Workers Comp. Retail Cyber Insurance for small business is essential to protect against failure and ensure unauthorized access or use of customer identity data. EPL+ defends your business in the event of a claim alleging a wrongful employment practice, such as discrimination or wrongful termination. Commercial Auto Insurance

When a system is hacked or compromised, you risk costly chargebacks, or reputational damage and loss of sales. Building coverage protects damage to buildings and personal property while liability coverage guards against possible lawsuits from third-parties.

Insurance doesn't need to be complicated - here you'll find easy explanations for coverages, pricing and more! Coverage and/or services may not be available for all businesses and vary in some states.

This type of insurance includes:Inventory Protection: In the unfortunate event of theft, fire, or other covered perils, retail shop insurance helps you recover the value of lost or damaged inventory, allowing you to restock your shelves. Workers’ Compensation This coverage can replace lost wages, pay for medical treatment and protect your business and its assets if an employee suffers a serious injury at your retail store.

retail store insurance provider

With this coverage, lost wages may be replaced, medical treatment paid for and business assets can be safeguarded in case an employee sustains serious injuries at your retail store. Your products-completed operations coverage likely includes this policy to protect you against lawsuits alleging defective products and workmanship issues, while advertising injury lawsuits could become an added risk for retailers that engage in advertising campaigns. If you run a small retail shop, you may be able to bundle general liability insurance with commercial property insurance in a business owner’s policy.

Before you purchase a policy, make a list of everything inside your business that has monetary value, including the cost of the building, if you own it. A BOP often costs less than purchasing each policy separately.

Insurance For A Clothing Store - Commercial Auto Insurance

  • Workers' Comp
  • Workers’ Compensation
  • Employees
  • Liability Insurance
  • Premiums
  • Retailers
  • Commercial Auto Insurance


This helps your adjuster assign value to what needs replacing. Retailers usually acquire general liability and product liability policies to protect themselves against customer injuries caused by products sold.

Protect those who work for you. Retail business insurance protects you against liabilities like customer mishaps, property damage, theft and employee injuries and illnesses.

retail store insurance provider
retail insurance agent
retail insurance agent

As a retail shop owner, it may be important to have coverage when traveling overseas for either business purposes or personal travel purposes. This coverage can replace lost net income or pay for ongoing expenses, including payroll or the mortgage, and for relocation expenses if necessary.

Imagine this: An electrical fire breaks out in your back office where all of your company's computer systems, security camera equipment, and extra inventory is kept.

Start with the basics and take inventory of your needs.

Insurance For A Clothing Store - Workers’ Compensation

  • Workers' Comp
  • Workers’ Compensation
  • Employees
  • Liability Insurance
  • Premiums


Be it occasional employees traveling off-site for meetings or a fleet of drivers transporting products daily, protect your business on the road from liability risks should an employee file an employment practices complaint against you.

Retail Insurance Companies

insurance for a clothing store

When your insurance company is preparing to reimburse you for the damage to these items, it's important to have detailed records outlining everything you've purchased and how much you paid.

Insurance For A Clothing Store - Workers' Comp

  1. Workers' Comp
  2. Workers’ Compensation
  3. Employees
  4. Liability Insurance
  5. Premiums
  6. Retailers
  7. Commercial Auto Insurance
  8. Commercial Auto Insurance
It can even be customized according to individual needs. As part of The Allen Thomas Group's business insurance package, you will gain access to comprehensive loss control tools and resources, including our Loss Control Services team which will review operations, procedures, and programs within your operations.

In this article, we'll delve into the world of retail business insurance, exploring the ins and outs of securing your store, shop, or online retail business. Every program for retailers starts with our core BOP (Business Owner's Policy).

General liability coverage helps shield your business from covered claims and lawsuits that stem from your everyday business operations. Our retail insurance solutions are not only comprehensive but also competitively priced.

Even retail giants fall victim to cybercriminals intent on accessing customers' personal data. If you run a small retail shop, you may be able to bundle general liability insurance with commercial property insurance in a business owner’s policy.

insurance for a clothing store

Product liability insurance is an integral component of retail operations. Not only can it cover legal and financial risks associated with products sold, but it can also act as protection should anything go wrong with those products sold by retailers.

Negligent Maintenance of Property Is Defined: To define "negligent maintenance of property", any store operator who failed to use reasonable care and identified conditions on their premises that created undue risks of harm and was aware or should have known about them was guilty of negligent maintenance of the property.

Retail business insurance will protect your retail company against liabilities like customer accidents, property damage and theft, employee injuries and illnesses, as well as customer disputes.