Colourful shirts on a rail


Clothes Shop Insurance

We compare quotes from leading insurers
Owning a clothes store is an exciting experience but time-consuming at the same time. You need clothes shop insurance that’s quick and easy to set up; to give you peace of mind should something go wrong.

Running a business is challenging and can leave little time for much else which is why we’ve made it easy to compare quotes from some of the UK’s leading insurers to make arranging your shop insurance simple and hassle-free.

We understand the time pressures of running a business and the importance of having the right protection in place for your business. Whether you’re running a boutique, a shoe shop, an independent clothes shop or even if you’re looking for e-commerce insurance, we can arrange tailored fashion shop insurance to let you work without worry.

Protecting your livelihood couldn’t be easier. If you know the covers you’re looking for you can compare quotes and protect your business online in a matter of minutes. If you’re looking for some professional guidance and advice then call and speak to our business insurance specialists who are on hand to help you find the right cover at the right price.

If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.

Lines open Monday to Friday 9:00am–5:00pm

As a shop owner, you will understand the multitude of risks of running a busy store. A high footfall of customers and high-value stock means clothes shop insurance must be a top priority. Clothes shop insurance can be tailored to include covers to protect against many of the risks associated with running your business to give you peace of mind allowing you to work without worry.
When deciding what insurance and covers you need to protect your business, you should consider the following:

Insurance for clothes shops can cover a number of eventualities, from injury to weather events – all of which could impact your ability to trade. The right clothes shop insurance policy can safeguard your business to let you work without worry. You never know what is around the corner, so shop insurance should be a fundamental part of your business plan to ensure business continuity, should something unfortunate happen.

If you employ a team, then you will need to take out employers' liability insurance to safeguard your employees against accidents at work.

At Premierline, we offer flexible clothes shop insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your clothes shop, you should consider the following:

  • Public liability – for injured shop visitors or damage to their property.
  • Employers' liability – to protect your shop employees.
  • Buildings cover – to cover for loss or damage to your shop premises.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Money cover – for theft or attempted theft.
  • Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
  • Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.

The cost of your clothes shop insurance will depend on your shop activities, the location of your business and the amount and type of covers you require to protect your shop. Like any other insurance, generally the more cover you require the higher the premium.

The value you gain from having the right cover in place is a huge benefit to your business. A shop insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope you will never need to call on.

We arrange clothes shop insurance that’s tailored to you by comparing quotes from some of the UK’s leading insurers. We’re committed to finding an insurance solution to fit your business, and ensure you get quality cover minus the hassle.

As a business insurance broker, we can source insurance for a range of different clothes shop businesses. Such as:

  • High-end fashion boutiques
  • Fast fashion shops
  • Sports clothing stores
  • Children and kids clothing shops
  • Department stores
  • Outlet stores
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 
“Great service. Friendly and helpful staff who understood my needs and got me a good price for my shop policy.”
Household Goods Retailer
Customer since October 2023
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
Arranging your clothes shop insurance doesn’t have to be time-consuming. We understand that time is precious when you're running your own business so we’ve made it easy to compare quotes from some of the UK’s leading insurers to make arranging your retailer insurance simple and hassle-free. If you know the covers you need you can protect your business online in a matter of minutes. If you’re unsure and looking for some guidance our expert advisors are on hand to provide professional recommendations based on your individual needs. Call us today.
If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.

Lines open Monday to Friday 9:00am–5:00pm