Why do I need insurance for my clothes shop?

Clothes maketh the man. Whether you’ve fashioned a high-end destination store, bridal boutique, vintage emporium, or kiddies clothing empire, style is your stock-in-trade – and it’s important to protect it.

But it goes deeper than looks. As a shop owner, you’re responsible for the safety of every customer who enters your shop and every assistant who works for you. If someone’s injured and you’re found to be at fault, would you be able to afford the compensation and legal fees alone? Or if there’s a break-in and someone makes off with your new season stock?1 That’s where we come in.  

At AXA, we cover different types of clothing retailer so that you can get the most tailored cover for your business – you can also combine any two options when you get a quote online.

  • Childrens clothing retailing
  • Dressmaker/seamstress
  • Fashion retailing
  • Menswear retailers
  • Vintage clothing
  • Bridal wear retailing
  • Leather clothing retailing
  • Leisurewear retailing
  • Uniform retailing
  • Woollen goods shop

AXA’s business insurance for clothing retailers protects your business in case of fashion emergencies.

How much does clothing store insurance cost?

Your business is bespoke, so your business insurance should be too.

And with the price of your cover dependent on the size of your company and the kind of work that you do, it’s difficult to put a ‘one-size-fits-all’ price on a tailor-made package.

The quickest way to find out your price is to get a quote. It’ll only take a couple of minutes, and you’ll get 10%* online discount.  Choose a one-off annual payment or share the cost over a series of monthly instalments (subject to acceptance criteria).

Do you cover online clothes retailers?

Yes, we insure online clothes shop. With our contents insurance for shops, we look after both digital and high-street shops. We’ll help you protect your stock and business contents, plus give you the freedom to create cover that fits the needs of your business – no-one else’s.


What insurance do I need for my clothes shop?

AXA’s business insurance is tailorable, meaning you can create the perfect fitting insurance for your clothes shop.

Contents cover

Cover for your precious stock, in case it is damaged, lost, or stolen.

Find out more

Public liability insurance

Protects your business against claims to cover damages and legal costs that people may make against your business.

Find out more about public liability insurance

Employers’ liability insurance

Cover for your employees if they get injured or become ill as a result of working for your business.

Find out more

Buildings insurance – if you’re a physical store

Protection against damage from storms, floods, fires, and theft. Typically, it covers your outbuildings, exterior/interior walls, fencing, roofs, and flooring.

Van insurance

Keep your van safe on the roads with AXA’s five-star Defaqto-rated van insurance and 10%* online discount.

Find out more

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1 We’ll sometimes need you to have an alarm – make sure you read the important statements when you get a quote online.

*This discount is applied automatically and lasts for the lifetime of your policy.