Clothing Store

Save up to 30% on your business insurance

Fashion-forward protection for your clothing store's success!

At Coverage Cowboy, we understand that your clothing store is unique and deserves a tailored insurance policy to match. Our team of experts will work with you to ensure your store is protected against potential risks, from theft to property damage.

Our comprehensive insurance solutions will cover your clothing store’s liability, inventory, and any other unexpected events that might impact your business. Trust Coverage Cowboy to keep your store stylishly protected.
  • General Liability
  • Workers' Compensation
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Clothing Store businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance is essential for clothing store owners to protect their business from unexpected accidents. For example, if a customer slips on a wet floor and gets injured, this insurance can cover their medical expenses and potential legal costs. Having general liability insurance gives clothing store owners peace of mind, knowing they’re safeguarded against unforeseen incidents that could harm their business.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is a must-have for clothing store owners who use vehicles for business purposes, such as delivering merchandise or transporting supplies. This type of insurance protects your business from financial losses if an accident occurs involving your vehicle. For example, if your employee is driving a van full of new clothing items to your store and gets into an accident, commercial auto insurance can help cover the costs of vehicle repairs and damaged inventory.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is essential for clothing stores to protect both the business and its employees. For instance, if a staff member slips on a wet floor while restocking clothes and gets injured, this insurance covers their medical expenses and lost wages. By having workers’ compensation, clothing store owners can focus on growing their business while ensuring a safe environment for their team.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is essential for clothing store owners as it safeguards their store’s building and merchandise from unexpected events. For instance, if a fire were to damage your store and destroy your inventory, commercial property insurance would cover the repair costs and help replace the lost items. This way, you can focus on running your stylish business without worrying about potential financial setbacks due to unforeseen circumstances.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Clothing Store business insurance

What are the ways in which business insurance can protect clothing stores?

Business insurance offers valuable protection for clothing stores in several ways:

  • Property insurance covers damage to your store’s building, inventory, and equipment due to events like fire, theft, and vandalism.
  • Liability insurance helps protect you from claims of bodily injury and property damage that could occur if someone is injured at your store or as a result of your products.
  • Workers’ compensation provides coverage for medical expenses and lost wages if an employee gets injured on the job.
  • Business interruption insurance helps cover lost income and extra expenses if your store is forced to close temporarily due to a covered event.

By securing the right business insurance, your clothing store can continue to thrive even in the face of unexpected events.

What do I need to get an insurance quote?

To get an insurance quote for your clothing store, you’ll need to gather a few important details:

  • Business name and contact information
  • Store location and square footage
  • Estimated annual revenue and payroll
  • Number of employees
  • Inventory value and key assets (e.g., fixtures, display racks, equipment)
  • Additional services offered, if any (e.g., alterations, custom designs)

With this information on hand, you’re ready to request a tailored insurance quote. Our friendly Coverage Cowboy team will help you find the best coverage at the right price for your clothing store!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.